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    NEED COVERAGE, LIKE YESTERDAY?

    Whether you just closed a huge new account or if you are moving into that sweet new office; chances are you need proof of insurance - and you need it fast!

    Here @ Insurance4Technology, we utilize the best insurance tech available to turn around customized quotes catered to your exact needs in hours, not days.

     

    SAMPLE POLICIES

    COVERAGES Included MEGA Plan

    Independent Contractors

    GIGA Plan

    Consulting Companies

    TERA Plan

    Consulting Firms

    General Liability

    Did you just knock your coffee over on that $50,000 piece of equipment? No worries! General Liability protects you from claims of bodily injury and or property damage you cause during the course of your service rendered. Coverage can also apply to your product if you are a manufacturer. Advertising Injury and Personal Injury are typically included as well.

    $1,000,000 / $2,000,000
    (per occurrence/aggregate)

    $1,000,000 / $2,000,000
    (per occurrence/aggregate)

    $1,000,000 / $2,000,000
    (per occurrence/aggregate)

    Professional Liability

    (Errors & Omissions)

    Consider yourself a professional in your field? Guess what, so do your clients! Mistakes happen and this coverage will protect you from the consequences. Professional Liability is also known as Errors & Omissions coverage and is likely your biggest exposure. Essentially, this vital coverage protects you if a client claims that they suffered a financial loss due to a mistake you make or your negligence.

    $1,000,000 / $1,000,000
    (per occurrence/aggregate)

    $2,000,000 / $2,000,000
    (per occurrence/aggregate)

    $3,000,000 / $3,000,000
    (per occurrence/aggregate)

    Business Personal Property

    Coverage for your business owned property (desks, phones, computers, etc.) can be included with General Liability coverage. Property insurance protects your business property against physical loss or damage by theft, fire or other means. A Business Owners’ Policy is a type of package policy that includes General Liability and Property coverage for a single annual premium.

    $25,000

    $25,000

    $25,000

    Property Off Premises

    Okay, so the neighborhood coffee shop is your occasional office, ours too. Your next espresso shot could cost you $2,500 if you leave your MacBook alone for 10 seconds. Hang on, what was the software on that laptop worth...? Many small businesses just look for liability coverage, we know you are smarter than that. Our package covers your property as well.

    $15,000

    $15,000

    $15,000

    Loss of Business Income

    Oh Snap, you just lost your sever on a power surge and are going to be down for a week. Business Income kicks in when you have a covered loss and lose income due to an inability to work.

    $50,000

    $50,000

    $50,000

    Data Breach

    Hacking is cool, but not when it happens to you... Data Breach, AKA Cyber Liability, protects you if you are breached and client sensitive information is accessed or lost. Coverage can typically be added for as little as $250 per year and is starting to becoming a regular requirement by clients, so you can be smart and compliant without hacking the piggy bank!

    X

    $250,000

    $1,000,000

    Intellectual Property

    Copyright and patent infringement lawsuits can happen to any business. Just because you may be a start-up doesn't not mean that you are not exposed. The cost to defend yourself could be enough to put you out of business even if you feel you did nothing wrong.

    X

    X

    $1,000,000

    Blanket Additional
    Insured Endorsement

    (No Charge for Certificates of Insurance)

    As you grow, you will see requests to add your clients as "Additional Insured" to your policy. This helps them to transfer their risk to your policy. Many carriers will charge form $50-$250 per additional insured certificate. Our plans include a blanket endorsement so there should be no additional fees to your insurance costs.

    Included

    Included

    Included

    Annual Premium $995 $1,450 $1,975

     

    *BFD (Big Fat Disclaimer) - These sample policies and rates are based on California for a small IT related business that generates $500,000 revenue with 2 employees. Additional coverages apply, but are not shown in example. Please refer to your proposal and/or policy for complete details. Other states may be higher or lower based on location and other variables. This is for example purposes only.


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    California license #0D04053

    Copyright © 2016, Brown & Brown Insurance Services of CA, Inc. All rights reserved.

    This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 Unported License.

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