Tech E&O and Cyber Insurance for Startups: The 2025 Essential Guide

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Starting a tech business is exciting, but it comes with some risk. The right insurance helps your company grow confidently and protects your bottom line.

If you’re unsure about Tech E&O, cyber, media, or data breach insurance, this guide is for you. You can apply online in just a few minutes.

What Is Tech E&O Insurance, and Who Needs It?

Technology Errors & Omissions (Tech E&O) insurance helps cover claims about mistakes, missed deadlines, or negligence in your tech services or products. For example, if a software bug causes client downtime or lost revenue, Tech E&O may help pay your legal costs.

Your startup needs Tech E&O if you:

• Offer software, SaaS, app development, or IT consulting
• Handle sensitive client data or information
• Build tech solutions for other companies
• Run a technology-focused business or digital agency

Cyber insurance covers you when there’s a hack, ransomware attack, or data breach. It helps pay for recovery costs and responds to client or regulatory lawsuits.

Tech E&O vs. Cyber vs. Media Liability: The Simple Difference

Common Claims We See in Real Life

• Software bug: Your code causes problems for a client’s site. Tech E&O responds.
• Missed deadline: You miss a promised delivery and the client claims damages. Tech E&O covers your defense.
• Data breach: Ransomware locks up key data. Cyber covers recovery, required notifications, and lost revenue.
• Defamation: A marketing project results in legal action from a competitor. Media liability helps cover those costs.

What Underwriters Look For in 2025

• Multi-factor authentication (MFA) for accessing remote or cloud systems
• Written plans for backup and incident response
• Well-defined client contracts and service outlines
• Transparency about past claims, lawsuits, or losses

If your company works with investors or large enterprise clients, these features are considered essential.

How Much Does Tech E&O or Cyber Insurance Cost?

Pricing depends on your revenue, client type, and data security. Most California startups pay at least $1,300 per year for solid protection. Rates are higher for companies with more sensitive data, like health or fintech.

Quick FAQ for Startup Teams

Do I need both Tech E&O and cyber insurance?
Most startups benefit from both. Each covers different real-world risks.

How fast can I get coverage?
Usually 1 to 2 business days after submitting your info.

What isn’t covered?
Intentional acts, anything you already knew about, or services not included in your contract.

Want help or advice?
You can chat with us anytime. Our team offers straightforward advice and zero pressure.

What Our Clients Say

“My company needed a very specific insurance policy… Joel Wagner at WHINS was professional, quick, and found us a great rate. Highly recommend WHINS and Joel Wagner to anyone looking for great service and a great price. They really take good care of their customers.”
— Trusted Choice review

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Get Started: Apply for Tech E&O or Cyber Insurance

Start Your Online Application Now →

We’re here to help you protect your startup and your customers. Our team knows the risks tech companies face in California and can help you get covered quickly. If you have any questions, just reach out.

Related topics:

• Coding a safer future: Cyber Insurance Guide for Startups (coming soon)
• Media Liability Coverage 101 (coming soon)
• Compare Tech E&O Quotes Instantly (coming soon)

Still have questions? Start a chat or check our Startup Insurance FAQ.