Technology Services Insurance

Serving the insurance needs of technology service providers in Massachusetts, Rhode Island, and New Hampshire since 1986.

Technology service businesses operate in a world where small mistakes can have outsized consequences. Whether you’re building websites, managing networks, or supporting client systems, your work often sits at the center of your clients’ operations.

Technology services insurance helps protect your business from the financial and legal risks that can arise when systems fail, data is compromised, or expectations aren’t met.

What Is Technology Services Insurance?

Technology services insurance is designed to protect businesses that provide IT, digital, or technology-based services to clients.

While traditional business insurance may cover physical risks, technology services insurance addresses exposures tied to performance, data handling, system reliability, and professional responsibility.

This type of coverage is especially important for businesses whose clients depend on their technology to operate, generate revenue, or protect sensitive information.

Who Needs Technology Services Insurance?

Technology services insurance is commonly used by businesses such as:

• Web development and web design firms
• Managed service providers (MSPs)
• IT consultants and technology advisors
• Software and application developers

If your services affect a client’s systems, data, or ability to operate, specialized insurance coverage is critical.

Common Coverages for Technology Service Providers

Technology services insurance policies are typically built around professional and cyber-related risks. Common coverages may include:

Technology Errors & Omissions (Tech E&O)
Helps protect against claims alleging that a technology service, system, or recommendation failed to perform as expected or caused financial harm to a client.

Cyber Liability Insurance
Provides coverage for data breaches, cyberattacks, ransomware incidents, and other events involving sensitive client or business information.

General Liability Insurance
Covers third-party bodily injury or property damage not directly related to professional services.

Business Owner’s Policy (BOP)
Combines general liability and commercial property coverage, often used by firms with office space or equipment.

Workers’ Compensation Insurance
Required in most states if you have employees, covering work-related injuries or illnesses.

Commercial Umbrella Insurance
Provides additional liability protection beyond the limits of underlying policies.

Common Risks Faced by Technology Service Businesses

Technology service providers face risks that are often invisible until something goes wrong, including:

• Client claims related to system downtime or service failures
• Data breaches involving confidential or regulated information
• Ransomware or cyber extortion incidents
• Contract disputes over scope of work or deliverables
• Allegations that a technology solution caused financial loss

Because these risks can affect multiple clients at once, the financial impact of a single incident can be significant without the right insurance in place.

How Much Does Technology Services Insurance Cost?

The cost of technology services insurance depends on factors such as:

Types of services provided

• Size of your client base
• Revenue and number of employees
• Data access and security practices
• Claims history and coverage limits

D’Agostino Insurance works with technology service providers to help balance protection and cost, ensuring coverage reflects real-world exposure rather than generic assumptions.

Why Work With D’Agostino Insurance?

D’Agostino Insurance has been advising businesses across Massachusetts, Rhode Island, and New Hampshire since 1986.

We understand that technology risks don’t always fit neatly into standard insurance policies and require thoughtful, specialized coverage.

When you work with us, you receive:

• Coverage tailored to technology-driven businesses
• Access to multiple insurance carriers
• Guidance on cyber and professional liability exposures
• Ongoing support as your services and risk profile evolve

Our focus is on helping technology service providers protect their business, their clients, and their reputation.

Get a Technology Services Insurance Quote

If your business provides technology services and you want insurance coverage that reflects the real-world risks of your work, request a quote from D’Agostino Insurance.

Our team can help you evaluate your exposure and build a technology services insurance policy that supports long-term growth.