Cloud Computing Insurance

business owner protected by cloud computing insurance

Get Ahead of Risks With Cloud Computing Insurance

Even with your expertise in cloud computing, working in the evolving digital landscape comes with risks. Whether it's a data breach, system failure or downtime, unforeseen events can disrupt your business. Cloud computing insurance can help you manage these risks, so you can focus on delivering the best solutions to your customers. 
 
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business owner protected by cloud computing insurance

What Is Cloud Computing Insurance?

Cloud computing insurance is made up of different types of business insurance coverages to help protect your business from the unique risks that come with managing digital infrastructure and data management. Whether you're developing software, hosting services or managing cloud platforms, the unexpected can happen. With cloud computing insurance solutions, you can rest easy knowing you'll have more support for incidents like:
 
  • Data breach
  • Property damage
  • Stolen equipment
  • Legal disputes

Why Is Insurance for Cloud Services Important?

Whether it's safeguarding your staff, addressing system failures or helping cover legal expenses from data breaches, cloud computing insurance helps you navigate the challenges of running a cloud-based business. Without insurance, risks like workplace disputes or stolen equipment could leave your business exposed to costly consequences. Cloud computing insurance helps make sure you're covered against these claims.
small business protected by insurance cloud services coverage

Who May Need Cloud Computing Insurance?

The Hartford designed our business insurance coverage with cloud service and technology companies in mind. Our coverage can help protect:
 
  • Cloud service providers
  • SaaS companies
  • Data hosting and storage businesses
  • IT consulting firms
  • Managed service providers (MSPs)
  • Cloud-based software developers
  • Digital infrastructure companies

What Type of Insurance Do I Need for a Cloud Computing Company?

Many cloud computing companies have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your business from claims like liability and property damage:
 
A BOP includes: 
 
General liability insurance to help protect your company from claims that it caused bodily injury or property damage to others, like if a client or vendor slips and falls at your office. 
 
Commercial property insurance to help protect your owned or rented building, as well as tools, equipment, inventory and supplies you use to operate your company. These can include:
 
  • Servers
  • Networking equipment
  • Backup storage systems
  • Workstations and laptops
  • Power generators
  • Hard drives
Business income insurance to help replace lost income if you can’t operate your cloud computing business because of a covered event, like property damage caused by fire, theft or a windstorm.
 
At The Hartford, we know every cloud-based business has specific needs. So, we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection. These include:
 
Help Protect Your Company’s Future
Get the coverage you need for the unique risks you face in cloud computing and keep your business secure.
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How Much Does Cloud Computing Insurance Cost? 

Insurance costs for cloud service companies vary because every business is unique. The average costs The Hartford’s small business customers in this industry pay for common types of coverage are:**
 
  • BOP: $2,232 a year, or about $186 a month
  • Stand-alone general liability insurance: $823 a year, or about $69 a month
  • Workers’ compensation insurance: $510 a year, or about $43 a month
It’s important to remember that the cost of your cloud computing insurance may differ from the average. That’s because every business owner has specific needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
proof of insurance for cloud computing business

Proof of Insurance on Your Time

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Covering Your Operations

Your operations rely on a seamless digital infrastructure. But what happens if a data breach or system failure disrupts your services? From protecting your servers to covering network issues, the right type of insurance can help ensure you're equipped to handle challenges without compromising service continuity. 
Slips and falls are the third-most common type of claim small business owners faced between 2015-2025.1
general liability for title cloud computing businesses

General Liability Insurance

“One of our vendors slipped in our office, tearing their ACL. They sued us for negligence and to pay for their medical bills.”
 
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
cyber insurance for cloud computing businesses

Cyber Insurance

“A virus infected our system and servers, taking down multiple clients’ websites for hours.”
 
Business income insurance helps cover financial losses due to cyberattacks or other tech-related risks, as well as privacy investigations or lawsuits following an attack.

Taking Care of Your Team

Your employees are essential to your cloud computing business. Whether they’re managing data, developing software or ensuring security, they keep your operations running smoothly. Having the right insurance means you can support them during injuries, illnesses or employment disputes.
Sprains, strains and tears were the top causes of musculoskeletal disorders resulting in restricted work or job transfers.2
workers compensation for cloud computing businesses

Workers’ Compensation Insurance

“One of my cloud architects noticed a dull, aching pain in her wrist. She was diagnosed with carpal tunnel syndrome and needed months of physical therapy to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Technology Professional Liability Insurance for cloud computing businesses

Technology Professional Liability Insurance

“One of our clients suffered a data breach, claiming it was caused by how we set up their website and managed their customers’ data.”
 
Technology professional liability insurance helps cover claims that your business made a mistake in the services provided. It can help cover your legal costs, such as attorney fees, judgments or settlements.

Protecting Your Property

Your cloud computing business relies on valuable equipment like servers, networking gear and backup storage systems. The right insurance can help you repair or replace property quickly, whether it’s damaged by an accident, stolen or impacted by a cyberattack, so you can minimize downtime.
It’s estimated that 90% of commercial buildings are underinsured.3
commercial property insurance for cloud computing businesses

Commercial Property Insurance

“A pipe burst and caused significant damage to our server room. The equipment was a total loss, and we had to replace everything.”
 
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
commercial auto liability insurance for cloud computing businesses

Commercial Auto Insurance

“Our sales team was headed to a pitch when the driver lost control of the business van. It crashed and took out a mailbox.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.

Comprehensive Coverage Solutions for Tech Companies Like Yours

With more than 200 years of insurance experience, The Hartford understands the risks cloud service businesses face. That’s why we designed our cloud computing insurance options to help you get the coverage you need to protect your livelihood.
 
Find out more about other technology professions we insure:
 

Frequently Asked Questions About Cloud Computing Insurance

Cloud computing insurance is made up of different types of coverage designed to help protect your business from a variety of risks. For example, if a customer trips and falls in your office, general liability insurance can help pay their medical bills. Or if someone breaks into your firm and steals your computers and other equipment, commercial property insurance can help pay to replace it. If you can’t operate your business temporarily because of the theft, business income insurance can help replace lost wages. With a comprehensive cloud computing insurance policy, you can keep growing your business with more peace of mind.
Your cloud computing business benefits from having insurance because it helps give you financial protection. Without insurance coverage, you’d have to pay for costly claims out of pocket. Some states may also require you to carry certain types of insurance, such as workers’ comp, making coverage essential.
The best way to get cloud service provider insurance is to get a quote from The Hartford. We make it easy to get a fast, free cloud computing insurance quote online.
company able to do business after getting cloud computing insurance quote

Stay Agile With Cloud Computing Insurance

Get the protection your cloud computing business needs to stay secure.
 
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Related Articles

 
 
Last Updated: December 17, 2025
 
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims”
 
2 National Safety Council, “Musculoskeletal Injuries”
 
3 Insurance Information Institute, "Commercial Property Insurance Shows Signs of Improvement, Stable Growth"
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
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