Source: Liberty Mutual — Technology Insurance
Liberty Mutual: Technology Companies Insurance Appetite
Liberty Mutual's tech program is strongest for mid-size technology companies that need a full management liability suite alongside Tech E&O and Cyber. Their D&O product is particularly valuable for venture-backed startups. For smaller tech firms just needing E&O, Hiscox or NEXT Insurance may be simpler and more cost-effective.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Technology E&O |
| Cyber Insurance |
| Workers' Compensation |
| Commercial Auto |
| Directors & Officers |
| Umbrella/Excess |
Premium Range
$2,000-$10,000
Typical annual premium
Target States
All 50 states and DC
Key Features
- Technology E&O with broad definition of technology services
- Cyber insurance with $1M+ limits and first-party coverage
- D&O coverage for venture-backed tech startups
- Intellectual property defense cost coverage available
- Media liability for tech companies with content platforms
Limitations
- Cryptocurrency exchanges and DeFi platforms are excluded
- Hardware manufacturers with product recall exposure need specialty coverage
- AI companies with autonomous decision-making products require individual review
Compare Other Carriers for Technology Companies
$1,500-$7,000
$3,000-$25,000
$4,000-$30,000
$1,000-$8,000
$800-$6,000
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$600-$4,000
$2,000-$10,000
$2,500-$15,000
$1,500-$10,000
$2,000-$15,000
$2,000-$12,000
$500-$4,000
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$2,500-$20,000
$500-$4,000
$3,000-$50,000
$2,500-$30,000
$400-$6,000
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