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One in 45 small business owners experience a claim
Based on Hiscox claim data from 1/1/2016-1/30/2019
Eligible Professions
- Application development: smartphone/mobile/tablet
- Application service provider
- Computer consultant
- Computer programming services
- Computer system/network developer
- Custom software programmer/developer
- Data processing
- Database designer
- Game developer
- IT consulting
- IT project management
- IT software/hardware training services
- Internet hosting services
- Software development
- Technology services
- Value added reseller or computer hardware
- Website design
- Other technology services
Common Risks for Technology Services
- Bodily injury
- Defamation, libel, slander
- Dissatisfied client
- Loss of client revenue
- Software/copyright infringement
- Software errors
- Third-party equipment damage
- And much more
The Curcuru Agency Bundle for Technology Services
GENERAL LIABILITY (GL)
Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel.
PROFESSIONAL LIABILITY (PL)
Also known as errors and omissions, or E&O, coverage, this protects you from claims of negligence during the course of conducting business. You’re protected even if you haven’t made a mistake.
Claim Scenarios for Technology Services
GL CLAIM EXAMPLE
Bodily injury:
You are a freelance computer programmer working from home one winter day so that you can accept a business delivery. The delivery man slips in your icy driveway, injures his back, and demands that you pay his hospital bills. General liability insurance protects against third‐party claims of bodily injury, associated medical costs, and property damage.
PL CLAIM EXAMPLE
Copyright infringement:
A client hires you to develop a new desktop software. Once the software goes live, your client is approached by a competitor who claims that the software infringes on their intellectual property. As the developer, you are sued for software copyright infringement. Professional liability insurance protects against claims of negligence and software copyright infringement, even if you haven’t made a mistake.