Supporting the technology and startup ecosystem from early-stage SaaS platforms and fintech innovators to advanced engineering, AI and robotics.
Supporting the technology and startup ecosystem from early-stage SaaS platforms and fintech innovators to advanced engineering, AI and robotics.
Specialist Risk Group (SRG) brings specialist insight into the fast-moving technology and startup ecosystem, combining strong insurer relationships with a deep understanding of emerging risks. We work closely with founders, product teams and leadership to design insurance programs that keep pace with rapid growth, regulatory change and evolving digital threats. With international market access and dedicated claims support, we help technology companies secure the protection they need to innovate and scale with confidence.
Technology businesses face constant change, driven by cyber threats, regulatory scrutiny, complex product lifecycles and dependency on digital infrastructure. From early development to global expansion, companies must navigate data protection obligations, platform reliability risks and intense commercial pressure. Specialist insurance plays a key role in safeguarding operations, supporting resilience and protecting stakeholders at every stage of growth.
Ransomware, data breaches, and system disruption leading to operational, financial, and regulatory consequences.
Financial losses cause by software errors, downtime, system failures, or other factors impacting service delivery.
Infringement claims, defence costs, and disputes over proprietary technology.
Compliance with privacy, fintech, consumer protection, and international data regulations.
Liabilities related to service launches, beta testing, API integrations, and third-party dependencies.
We support a wide range of technology companies, founders, and investors, including:
Our approach is tailored to each organisation we work with. We commonly arrange the following protection for Technology & Startups:
Coverage for ransomware, data breaches, system attacks, business interruption, regulatory fines, privacy claims and post-breach response costs.
Protection for founders, directors and officers against claims of mismanagement, breach of duty, regulatory action, investor disputes or employment-related allegations.
Financial protection against IP infringement claims, defence costs and disputes relating to proprietary technology or patents.
Coverage for accidental injury or property damage caused by your operations, hardware devices, robotics or connected products.
Protection against claims arising from advice, consultancy, design errors or technical services provided to clients.
Coverage for physical assets such as servers, testing equipment, robotics and office hardware, protecting against damage, theft or breakdown.
Insurance for high-value hardware, prototypes, testing equipment or connected devices while in transit or with third-party vendors.
Coverage against claims relating to workplace disputes, wrongful dismissal, harassment or discrimination.
Most technology startups require a combination of IT Liability & Cyber Insurance and Directors & Officers Liability, with additional coverage added as the business scales, raises capital or launches products.
Insurance is typically required at MVP launch, first customer contracts, or prior to a funding round. Many founders arrange cover earlier to meet investor, customer, or accelerator requirements.
D&O insurance protects founders, directors, and officers from personal liability arising from governance decisions, capital raising, shareholder disputes, regulatory action, or employment-related claims.
Insurance helps satisfy investor due diligence, protects board members, and reduces balance sheet risk, making it easier to raise capital, appoint independent directors, and scale with confidence.
Yes. Insurance programs are typically reviewed and expanded as your business scales, enters new markets, hires staff, raises capital, or introduces new products and services.
We work closely with founders and leadership to understand product risk, growth strategy, and investor expectations, structuring insurance that evolves with the business rather than constraining innovation.
IT Liability insurance covers technology companies for financial loss arising from errors in software, coding, configuration, implementation or technical advice, and also includes protection for third‑party injury or property damage caused by their operations or technology products. It effectively combines Professional Indemnity with Public & Products Liability under a tech‑specific wording, giving broader protection for both digital and physical‑world exposures.
Yes. Startups often hold sensitive customer data, IP, and credentials while operating with lean security resources, making Cyber insurance critical even at early stages.
Cyber policies can cover ransomware response, forensic investigation, legal advice, system restoration, business interruption, regulatory defence, and notification costs, subject to policy terms.
Cyber Business Interruption or Technology Errors & Omissions cover can respond to revenue loss or customer claims arising from system outages, depending on the cause and policy structure.
Yes. IP insurance can help cover defence costs and damages associated with infringement claims, while PI and D&O may also respond depending on the nature of the dispute.
FinTech’s often require enhanced Cyber, Professional Indemnity, D&O, and Crime cover to address regulatory scrutiny, transaction risk, data protection, and customer fund exposure.
Policies can be structured to reflect overseas clients, cross-border data flows, and international regulatory exposure, including appropriate territorial and jurisdictional coverage.
Key factors include revenue stage, customer profile, product maturity, security controls, data handling, contractual terms, funding history, and claims exposure.
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