Software, IT Services & IT Staffing Business Insurance


Software & IT Businesses Face More Risks

Software and IT businesses face more risks than ever before. Cyber security issues, lawsuits over online content, internet connectivity problems and hardware breakdowns can have a significant impact on businesses that depend on computers, software, data cloud services and connectivity to succeed. Technology companies can count on The Hartford to help them reduce risks and prevail through crises and unexpected events.
Recommended Coverage for Technology Businesses
The Hartford’s Property Choice® for Software and Information Technology Companies helps protect the property your business owns and leases, including things like servers, computer equipment, electronic data, inventory, and furniture as well as your income due to a covered incident. Technology companies can tailor coverage to fit the unique needs of their particular business.

This can include coverage if:
 
  • A virus or malicious code disrupts normal operation.
  • Property in transit or at exhibition is damaged.
  • The business loses income because essential utility or communication services are interrupted.
General Liability Choice® provides broad liability coverage for bodily injury, property damage, contractual liability, damages to property you rent or occupy, personal injury, advertising injury and even an option that covers your websites and blogs. This can include coverage for oral, written or electronic publication of material that slanders or libels a person or organization, disparages a person’s or organization’s goods, products or services or violates a person’s right of privacy. In addition it can include coverage for copying or infringing of copyrighted advertisements. Offerings include:

  • Our Electronic Data Liability for Technology Companies provides coverage for liability from damage to or loss of data resulting from physical injury to tangible property.
  • Data Breach expense coverage is an available coverage enhancement including access to The Hartford's Cyber Center.
The Hartford is a leading provider of Workers’ Compensation Insurance. XactPAY® offers pay-as-you-go workers’ compensation premium payments based on actual monthly payroll figures to help better manage cash flow fluctuations and minimize audit adjustments. Best of all, this is offered at no extra cost.
 
Helps cover the vehicles that a technology business owns, leases, rents or borrows – on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, lease and loan gaps, and provides a wide range of specialized services designed to help businesses improve their drivers’ safety.
The Hartford’s FailSafe® suite offers flexible professional & cyber liability and expense coverage to help protect against the risks most technology companies face. Depending on the level of coverage selected, this can include coverage for:
 
  • Data security lapses and identity theft
  • Copyright or trademark issues
  • Content-related libel or slander issues
  • Technology performance failures
  • Warranty or product representation problems
  • First party breach and extortion expense
  • Business interruption and data loss
     
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 
Helps protect privately held computer, software, web or IT firms and their directors, officers and certain others against loss that arises out of the day-to-day operations and management of the company.
Helps protect technology businesses from damages and defense costs that arise out of employment-related disputes included but not limited to alleged discrimination, sexual harassment, refusal to hire and wrongful termination or discipline.
Helps cover employee claims related to the design, administration and maintenance of company-sponsored retirement, health, and other employee benefit plans. 
Helps protect computer, software and IT businesses against loss from employee theft, computer fraud, and other similar types of crime.
Often included within the insurance requirements section of contracts for IT and related services firms, this coverage specifically helps protect against theft of a client’s property by an Insured’s employee.
Helps cover expenses incurred to reproduce or duplicate damaged or destroyed data or computer programs.
Helps protect tech-related company employees if they are kidnapped in the U.S or while on business abroad. 
Additional Solutions for Technology Businesses
The Hartford’s Shipper's Interest & Ocean Cargo ChoiceSM coverage can help protect software and computer businesses when shipping products over land or sea. 
The Hartford’s innovative Risk Engineering team strives to help tech companies run safer and ultimately more profitable businesses with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security.
 

Technology Customer Claims Reviews

About Our Customer Reviews

The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

Guidelines for reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

In general, reviews are published if they are relevant to the experience and not defamatory.

While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.
 

For Smaller Firms

Smaller tech computer, software, web, and IT firms typically require specialized insurance coverage.
 

The Speed of Technology

The Hartford has been going at the speed of technology for more than 30 years. And, as technology grows and changes ... so will we.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.