Software, IT & digital services

7 researched profiles in this educational category. Collections may overlap.

UW takeaway

Saved research for Software, IT & digital services frequently highlights cyber liability, technology e&o, general liability. Confirm which concerns apply to the actual work, what controls are used and whether additional activities change the coverage discussion.

Explore activities

Publishing Industries (1)

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (1)

Web Search Portals, Libraries, Archives, and Other Information Services (1)

Professional, Scientific, and Technical Services (4)

Coverage topics in saved research

Cyber Liability

Software Publishers: First- and third-party coverage for data breaches, ransomware, and network security incidents; frequently written alongside or combined with Tech E&O.

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services: First- and third-party cyber coverage is typically the most critical and costly line for this class given the volume of data under management and potential for widespread client impact from a single incident.

General Liability

Software Publishers: Premises and operations coverage; relatively modest exposure for office-based publishers but typically part of the package.

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services: Premises and operations liability; relatively modest compared to cyber and E&O for this class, but still a standard component.

Workers' Compensation

Software Publishers: Standard employee injury coverage; relatively low hazard for office-based development teams.

Web Search Portals and All Other Information Services: Standard employee injury coverage; relatively low hazard for office and remote workers.

Commercial Property

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services: Server hardware, networking equipment, and data center infrastructure can represent significant asset values.

Web Search Portals and All Other Information Services: Covers office contents, servers, and equipment; often modest for remote or lightly-staffed operations.

Umbrella / Excess Liability

Custom Computer Programming Services: Typically sits over GL and sometimes EPLI; often required by enterprise clients as a contract condition.

Computer Systems Design Services: Often sought by clients via contractual requirements; worth reviewing underlying policy limits relative to contract indemnification language.

Technology E&O / Professional Liability

Software Publishers: Core coverage for claims arising from software failures, errors, or omissions that cause financial harm to customers — often the single most important policy in the stack.

Computer Facilities Management Services: Primary coverage for claims arising from service failures, system outages, data loss, or alleged negligence in managing client IT environments — typically the most critical line for this class.

Commercial Property / BOP

Software Publishers: Covers office contents, servers, and equipment; building coverage relevant for owners.

Computer Systems Design Services: Covers office contents, computers, servers, and test equipment at the firm's premises.

Technology Errors & Omissions (Tech E&O)

Custom Computer Programming Services: Core coverage for claims alleging defective, delayed, or failed software deliverables — the single most important policy for this class.

Other Computer Related Services: Core professional liability for IT service failures, negligent advice, missed recovery objectives, or software installation errors that cause client financial harm — typically the most critical coverage for this class.

Questions to ask

  1. What does the software do, and which industry verticals are the primary customers? (Software Publishers)
  2. What types of data does the business process or store on behalf of clients — does it include PHI, financial records, or payment card data? (Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services)
  3. What type of information or content does the platform aggregate, index, or distribute — and does any of it include licensed third-party content? (Web Search Portals and All Other Information Services)
  4. What industries do the firm's clients primarily operate in — healthcare, financial services, general commercial, consumer apps, or other? (Custom Computer Programming Services)
  5. Is the software sold as a SaaS subscription, a downloadable license, or both? (Software Publishers)
  6. Does the firm own its own server infrastructure, co-locate in a third-party data center, or operate primarily through public cloud providers? (Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services)
  7. What categories of user data are collected, stored, or shared, and approximately how many users are in the database? (Web Search Portals and All Other Information Services)
  8. What types of clients does the firm primarily serve — small business, enterprise, government, healthcare, financial services — and what are typical contract values? (Computer Systems Design Services)

AI-generated educational research may contain errors. Verify classifications, coverage and carrier requirements. Category membership does not establish policy fit.