Source: Selective Insurance Group — Technology Insurance
Selective Insurance Group: Technology Companies Insurance Appetite
Selective has built a strong technology program that bundles Tech E&O, cyber, and BOP into a comprehensive package. Their Eastern US focus means they have experienced underwriters who understand mid-market tech firms. Sweet spot is IT service companies and software firms with $3,000-$50,000 in premium.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Professional Liability (Tech E&O) |
| Cyber Insurance |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$3,000-$50,000
Typical annual premium
Target States
30+ states, strongest in Eastern US
Key Features
- Tech E&O + cyber bundle designed for technology companies
- BOP for tech offices, coworking spaces, and server facilities
- Cyber liability with breach response and notification services
- Workers' comp for office-based tech employees
- Umbrella/excess over tech E&O and GL
Limitations
- Cryptocurrency and blockchain companies are excluded
- Hardware manufacturers need separate products liability placement
- SaaS companies over $25M revenue may exceed standard program
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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$1,000-$8,000
$2,500-$20,000
$500-$4,000
$2,500-$30,000
$400-$6,000
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