Industry
Commercial risk consulting for technology companies.
Venture-backed and mid-market software, platform, and infrastructure operators carry exposures that don’t map cleanly to a generic broker’s product set. We pressure-test D&O, tech E&O, cyber, and management liability, then coordinate placement through Rush Insurance.
Overview
What’s distinctive here
Tech programs sit at the intersection of professional services and security. The wording overlap between tech E&O and cyber is where most coverage debates happen, and where most uninsured loss hides. Add board-level D&O exposure, EPLI in fast-hiring environments, and contract indemnity that runs ahead of underwriting, and the program rarely renews on autopilot.
Funding stage matters. So does customer concentration, contract maturity, and where the data lives. We map those before we map the program.
Risk scenarios
Where exposure tends to surface.
Pre-funding D&O and Side-A
A Series B SaaS company is two weeks from term sheet. Founders ask whether the existing $2M D&O is enough. Side-A DIC, IDL coverage for indemnifiable claims gone wrong, and the entity-vs-individual coverage debate are the conversation. So is the application that will be re-underwritten the day the round closes.
Tech E&O versus cyber overlap
A platform vendor causes an outage that costs three customers a combined $6M in BI. Tech E&O responds to professional services failures; cyber responds to security failures. Where the loss originates, and how the policies define each other’s exclusions, decides which carrier funds defense and indemnity.
SaaS contract indemnification
Enterprise customers push uncapped IP indemnity, mutual indemnification on data breach, and SLA credits that look like liquidated damages. The E&O carrier asks how often the firm signs non-standard contracts. The honest answer is most of the time. Wording matches reality, or claims drift outside coverage.
BEC at the finance team
A 120-person infrastructure company gets a vendor change request that looks legitimate. The wire goes out. The crime policy responds to funds transfer fraud; the cyber policy responds to social engineering with a sublimit. We map the controls before the binder, not after the loss.
IP infringement defense
A NPE files a patent infringement claim against a software product. Tech E&O may respond to IP infringement defense subject to specific carve-backs and territory. Standalone IP defense markets exist. Coverage depends on the wording, the IP type, and whether contributory infringement is in scope.
Dependent BI from cloud providers
A SaaS firm has its production environment in a single region of a single hyperscaler. A multi-hour outage hits SLA credits and customer goodwill. Cyber and tech E&O contingent BI sublimits, waiting periods, and the definition of system failure determine whether anything responds.
Regulatory investigation from data practices
A state AG sends a CID about a marketing pixel and biometric processing. Defense costs land before any judgment. The cyber form’s regulatory defense and fines coverage, the D&O entity coverage carve-out, and the EPL carve-out for wage-related claims all need to be checked against the actual letter.
Coverage lines
What we typically review
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Management Liability →
D&O Side-A DIC, IDL, EPLI, and fiduciary alignment with cap table and bylaws.
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Professional Liability →
Tech E&O scope, IP infringement carve-backs, and dependent business interruption.
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Cyber Liability →
Regulatory defense, social engineering, dependent system failure, and panel control.
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Property & Casualty →
Office contents, hardware, hired and non-owned auto, and umbrella attachment.
Placement
How placement works
Vetted Risk consults. Rush Insurance is the licensed placement partner and binds coverage with carriers. Vetted Risk is not licensed to sell, solicit, or negotiate insurance, and receives no commission, override, or contingent compensation tied to placement.
Next step
Send us your current D&O, E&O, and cyber declarations.
We’ll respond within one business day with a coverage map and the questions worth asking before renewal.