Who asks for what
| Who | What they usually want to see |
|---|---|
| Enterprise client | Tech E&O and cyber at stated limits, GL with additional insured, workers' compensation, umbrella, sometimes crime with social engineering |
| Channel partner or distributor | Tech E&O and product liability at minimums |
| Landlord or coworking operator | GL with additional insured, property on equipment |
| Investors and acquirers | D&O, EPLI, cyber, tech E&O during diligence |
How to check what you already have
- Tech E&O / cyber dec page. Per-claim and aggregate limits, retroactive date, whether cyber and E&O share one aggregate, and sublimits for extortion, funds transfer fraud and dependent business interruption.
- Exclusions. Intellectual property, contractual liability, and unencrypted device exclusions decide whether a given claim pays.
- General liability. Blanket additional insured for clients.
- Workers' compensation. Every state with a remote employee listed.
- Contracts. Upload the master services agreement; the wallet compares its insurance exhibit to the policies.
What usually goes wrong
- A shared aggregate that one incident exhausts across both E&O and cyber.
- Funds transfer fraud sublimits far below a typical wire.
- Retroactive dates later than long-running client relationships.
- Remote staff in unlisted states.
Renewal timing
Cyber underwriting changes every year and asks for security questionnaires. Start sixty days out, have the controls evidence ready, and never let a claims-made policy lapse between carriers.