SaaS Insurance

female business owner protected by saas insurance

Protect Your Platform With SaaS Insurance

You’ve built an innovative SaaS company, but with each phase of growth comes even bigger risks. From cyber threats to downtime and contract disputes, a single claim could disrupt everything you’ve worked so hard to build. SaaS insurance can help protect your business, so you can keep scaling with confidence.
 
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What Is Insurance for SaaS Companies?

SaaS insurance is a collection of business insurance coverages designed for businesses that develop, host and manage cloud-based software. Also known as software company insurance, it helps protect your business from:
 
  • Data breaches
  • Business interruptions
  • Property damage
  • Stolen equipment

Why Might You Need SaaS Business Insurance?

SaaS insurance can help protect your business from the risks you face in the technology industry. Running a SaaS business means managing complex tasks, from protecting databases to securing hardware. Even with strong protocols and contracts in place, accidents and accusations could occur at any moment. Without insurance, you’d be responsible for handling a lawsuit, cyberattack or service outage all on your own.
 
Insurance can help protect your company from:
 
  • Property damage to your office space and equipment
  • Cyber incidents that expose customer data
  • Employee lawsuits over discrimination or injury
female small business owners protected by insurance for saas companies

Who Needs SaaS Insurance?

The Hartford designed our business insurance solutions with SaaS companies like yours in mind. Our coverage can help protect:
 
  • Cloud-based software developers
  • Subscription-based service providers
  • IT consulting firms
  • Software platform hosts
  • Data storage and management companies
  • Software startups

What Type of Insurance Do I Need for a SaaS Company?

Many SaaS 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 of bodily injury, property damage and lost revenue.

A BOP includes: 
 
General liability insurance to help protect your SaaS company from claims that it caused bodily injury or property damage to others. For example, if someone gets hurt in your office, this coverage can help pay their medical bills.
 
Commercial property insurance to help protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to operate your SaaS company. These can include:
 
  • Computers and laptops
  • Servers and data storage devices
  • Software development tools
  • Office furniture and supplies
  • Network security software
  • Backup power systems
Business income insurance to help replace lost revenue if you can’t operate your business temporarily because of a covered event, like property damage caused by a storm or fire.
 
At The Hartford, we know that no two SaaS companies have the same needs or face similar risks. We’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including:
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How Much Does SaaS Insurance Cost? 

The cost of insurance for SaaS companies varies because every business is unique. Some of the average costs The Hartford’s small business customers in this industry pay are:**
 
  • BOP: $1,538 a year, or $128 a month
  • Stand-alone general liability insurance: $1,090 a year, or about $91 a month
  • Workers’ compensation insurance: $480 a year, or $40 a month
The cost of your SaaS insurance may vary from the average, as every business has specific needs, and insurers may use several factors when determining rates. To get the most accurate estimate, request a fast and free quote.
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Covering Your Operations

You’re committed to delivering reliable software and seamless customer experiences. But what if a critical server fails or a data breach compromises client information? These disruptions can bring your operations to a halt. Insurance can help you manage these unexpected challenges, so you can keep your business running smoothly. 
There were nearly four times as many small business data breach victims than larger businesses.1
general liability for saas businesses

General Liability Insurance

“We hosted a catered lunch at our office. The vendor slipped near the buffet, hurting his knee.”
 
General liability helps cover claims that your SaaS company hurt somebody else. It can help pay their medical bills or your legal costs if you get sued.
cyber liability insurance for saas businesses

Cyber Liability Insurance

“A malware attack hit our system, compromising hundreds of client records. It was a long, complicated recovery process.”
 
Cyber liability insurance, also known as computer virus insurance or data breach insurance, helps your business respond to a cyberattack or breach if personally identifiable information (PII) gets lost or stolen.

Taking Care of Your Team

From software development to customer acquisition, every member of your team plays a vital role in your success. But unexpected accidents or illnesses can disrupt your operations and impact your employees’ well-being.
There were 81,055 charges of workplace discrimination filed with the Equal Employment Opportunity Commission in 2023.2
workers compensation for saas businesses

Workers’ Compensation Insurance

“One of our engineers developed a serious wrist injury from their desk setup. They needed weeks of physical therapy to treat it.”
 
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 if they can’t work. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
EPLI for saas busineses

Employment Practices Liability Insurance (EPLI)

“One of my managers terminated an employee based on their performance. She sued our business and the manager, alleging discrimination.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. With The Hartford, you can choose additional coverage to help cover claims made by third parties, like vendors and customers.

Protecting Your Property

Your office space and equipment are essential to keeping your SaaS business running smoothly. But what would happen if there’s a fire or someone steals your equipment? The right insurance helps safeguard your physical assets, covering repairs and replacements so you can get back to work quickly.
Work-related crashes cost employers about $39 billion per year. On average, these accidents cost employers about $75,000 per injury.3
commercial property insurance for saas businesses

Commercial Property Insurance

“Someone vandalized our building, breaking windows and damaging the entryway. They also stole several computers. It was expensive to get everything repaired and replaced.”
 
Commercial property insurance helps protect your business' equipment, furniture and tools from loss or damage caused by events like storms, fires, vandalism or leaky plumbing.
commercial auto liability insurance for saas businesses

Commercial Auto Insurance

“The sales team got rear-ended on the way to a client meeting. Our company car was out of commission until we could get it fixed.”
 
Commercial auto insurance can help protect your employees on the road if they drive company-owned vehicles for work.

Business Insurance for Companies Like Yours

With more than 200 years of insurance experience, The Hartford understands the risks tech startups and software companies face. That’s why we designed our business insurance solutions with SaaS companies in mind, so you can get the coverage your business needs to thrive.
 
Find out more about other technology business professions we insure:
 

Frequently Asked Questions About SaaS Insurance

SaaS insurance can help protect you from a range of risks, including cyber threats, workplace disputes and property damage. For example, if a client sues over a contract dispute or claims your software caused them financial harm, technology professional liability insurance can help cover defense costs. Or, if you’re unable to operate temporarily because of covered property damage, business income insurance can help replace lost income. With many different coverages to choose from, you can get comprehensive protection for your business.
SaaS insurance is important because it helps protect your business from risks that could disrupt your operations or lead to financial strain. Even common claims, like a slip-and-fall at the office or a stolen laptop, could create unexpected expenses if a lawsuit or medical bills are involved. Insurance can help cover legal fees, lawsuits and settlements to safeguard your finances.
The best way to get SaaS insurance from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote online. In just a few minutes, you can find insurance designed for your SaaS company’s needs. 
female and male business owners happily work after getting saas business insurance quote

Stay Agile With SaaS Insurance

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Related Articles

 
 
Last Updated: February 2, 2026
 
1 Insurance Information Institute, "Facts + Statistics: Product liability,” Viewed March 2025
 
2 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report,” Viewed March 2025
 
3 NIOSH, "About Motor Vehicle Safety at Work,” Viewed March 2025
** 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.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
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 Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
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 Insurance Group, Inc. listed in the Legal Notice.
 
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