Tech moves fast, and so do the risks of tech business. With over 50 years of experience and access to 60+ leading tech insurance companies, Pepper, Johnstone & Company creates tailored insurance solutions for software developers, IT consultants, and technology companies of every size.
Insurance for Technology Companies Nationwide
from Pepper, Johnstone & Company
From SaaS startups and app developers to cybersecurity consultants and MSPs, today’s tech companies face unique exposures. You’re responsible for safeguarding data, delivering flawless service, and meeting client expectations in real time. One glitch, data breach, or misstep could lead to devastating financial losses.
That’s why there’s no room for error when it comes to your insurance.
At Pepper, Johnstone & Company, we secure comprehensive insurance for tech companies that reduces risk, satisfies contracts, and grows with you while you're building code and building trust.
Why Insurance Matters for Tech Firms
Whether you write code, manage infrastructure, or build next-gen tools, your tech company operates in a space where one wrong move can trigger legal action. Clients rely on your services to function—when something goes wrong, they’ll expect you to cover the cost.
That’s why business insurance for technology companies is essential. Not just to satisfy contract terms or vendor requirements, but to protect your balance sheet, your reputation, and your ability to scale as a modern business owner.
Core Insurance Coverages for Tech Companies
Most small businesses in the tech space need foundational coverage options to guard their people, property, and operations. These include:
General Liability Insurance
Covers third-party coverage claims of bodily injury, property damage, or reputational harm (like slander or libel) resulting from your services or office space.
Workers’ Compensation Insurance
Covers medical care and lost wages for employees injured on the job—required in most states. We build smart, scalable workers’ comp policies for growing tech teams.
Commercial Property Insurance
Protects your physical office, servers, laptops, furniture, and devices. It’s essential even for remote-first teams with equipment stored in homes or coworking spaces.
Commercial Umbrella Insurance
Adds an extra layer of coverage beyond your base policies. This extended commercial liability insurance helps when a large claim threatens to exceed standard limits.
Commercial Auto Insurance
Covers company-owned vehicles and applies if you or your team travel for on-site work, trade shows, or equipment delivery.
Employment Practices Liability Insurance (EPLI)
Protects your company from HR-related claims like wrongful termination, harassment, and discrimination.
Fiduciary Liability Insurance
Covers legal exposures tied to managing benefits, pensions, or 401(k) plans. Tech firms offering robust benefit packages should include this coverage.
Crime Insurance
Protects your operation from theft, embezzlement, or digital fraud. This can include both employee dishonesty and third-party cyber schemes.
Specialized Insurance Coverage for the Tech Industry
Insurance for technology companies must go beyond the basics. After all, your work involves high-value contracts, sensitive data, and complex deliverables that general policies may not fully address.
Technology Errors & Omissions Insurance
Tech E&O insurance is a vital policy that protects you from professional liability claims tied to missed deadlines, faulty code, incorrect implementations, or other perceived mistakes in your software development or consulting services. Think of it like malpractice insurance for IT professionals.
Directors & Officers Insurance (D&O)
If your company has a board, investors, or executive leadership, D&O insurance is a must. It protects officers from claims of mismanagement, breach of duty, or failure to act—claims that often come from vendors, partners, or shareholders.
Cyber Liability Insurance
Cyberattacks aren’t a matter of if, but when. A comprehensive cyber liability insurance policy helps you recover from data breaches, ransomware attacks, or privacy events. These policies often come with coverages including forensics, notification costs, legal defense, and PR crisis response.
Staying Ahead of Risk in a Fast-Moving Industry
From AI breakthroughs to cloud integrations, IT insurance needs to keep pace with innovation. Many cyber risks can’t be predicted, but they can be prepared for. At Pepper, Johnstone & Company, we take a proactive approach to cyber insurance for technology companies, helping you protect what you’ve built and plan for what’s next.
Why Choose Pepper, Johnstone & Company
We’ve spent decades helping businesses protect what matters. Now, we bring that same clarity and expertise to the insurance industry’s most fast-paced vertical—technology.
As an independent agency, we represent your interests, not the carriers’. That means we can compare policies from multiple providers and tailor a program that actually fits your exposures. From your first product launch to your next growth stage, we’re the partner that scales with you.
Frequently Asked Questions About Tech Insurance
What tech firms need to know
It protects your company from client claims related to mistakes, oversights, or delays in delivering your products or services. For example, if a software bug causes a client’s business to lose revenue, tech E&O helps cover the cost of legal fees or settlements.
Cyber insurance for technology companies deals with privacy breaches, hacks, and ransomware. Tech E&O focuses on service delivery failures, negligence, or unmet contractual obligations.
Not every company, but if you have a board, outside funding, or plan to raise capital, D&O is smart protection. It helps insulate your leadership team from costly personal liability.
Yes. We work with tech insurance companies that specialize in bundled solutions, especially startups and scaling operations. Bundling simplifies administration and may reduce your premium.
Costs vary based on services offered, revenue, number of employees, and risk profile. A solo consultant may pay under $1,000 per year, while enterprise SaaS firms will pay more. We’ll compare carriers to find the right balance of protection and affordability.
We serve a wide range: app developers, MSPs, cybersecurity firms, data analytics teams, SaaS startups, cloud service providers, and more. If your work involves technology, we’ll help you find the right insurance solution.
What do people think about us?
Trusted by the innovators building tomorrow.
on Google
I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
— Russ L.
on Google
We are very pleased with our services that Pepper, Johnstone and Company provide for us! Both with business and personal needs, we feel like we are receiving excellent resources. We truly would not trust anyone else for our insurance needs!
— Lauren M.
on Google
Thankful for the opportunity to work with Pepper, Johnston’s and Co. They helped us add basic insurance needs for our newly formed LLC. The responsiveness, willingness to answer numerous questions, and guide us through multiple options was greatly appreciated. I’d like to especially thank Meredith Baswell of their staff who helped us through the process. I’d recommend you seek their advice and input on commercial and personal insurance options.
— Kevin G.
on Google
This is the best insurance agency hands down. We have our home, car, and business insurance through them. Julie has always gone above and beyond to help us. We wouldn’t use anyone else.
— Laura D.
on Google
Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.
— Jeremiah H.
on Google
Pepper, Johnstone is a very professional and responsive insurance company. They were able to assist me with a full suite insurance solution very promptly and at a great value. Most importantly, I felt completely comfortable that I was being handled by true professionals. Bryan Johnstone is great at his job and I would recommend him highly to anyone who needs insurance advice for themselves or their business.
— Troy R.
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Protect your platform, your clients, and your future with smarter coverage. Talk to the advisors at Pepper, Johnstone & Company today. Call 866-865-3499 or request a quote online today.