Colonial General Insurance Agency, Inc. offers a dedicated Computer and Technology Insurance program built for agents and brokers placing IT professionals, consultants, software developers, managed service providers (MSPs), and other technology-focused firms. This program pairs tailored professional liability options with flexible placement choices across admitted and excess & surplus markets to help you secure the right protection at competitive terms.
Ideal Accounts and Appetite
This program works well for a broad range of technology-driven businesses, including:
- Independent IT consultants
- Software developers and programmers
- Managed service providers (MSPs)
- Computer repair technicians
- Web developers and early-stage tech start-ups
Underwriting generally favors accounts that provide consulting, software-as-a-service (SaaS), help-desk support, or small-to-mid size managed services. Accounts with significant enterprise-level exposures, unusually large data holdings, or complex security outsourcing may require additional review and specialty placement.
Coverage Highlights and Advantages
Colonial General provides access to multiple markets so you can tailor coverage and pricing to each risk. Typical coverage options include:
- Errors & Omissions (E&O) insurance geared to technology services and software liabilities
- Professional Liability to protect against service-related allegations and financial loss
- General Liability available on select accounts per carrier guidelines
- Choice of limits and deductible structures to match client needs and budgets
*Specific coverages, limits, and premiums depend on the carrier selected for the individual risk.
Underwriting Notes and Minimum Premiums
Submissions are evaluated against each carrier’s underwriting criteria. Because we work with a variety of admitted and non-admitted markets, we can often place both standard and more complex risks. There is no single published minimum premium — pricing and minimums are determined per carrier and per submission.
Territories and Availability
This program is available to appointed agents and brokers in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Some markets are offered on an admitted basis depending on the carrier and the specific risk profile; excess & surplus solutions are available where appropriate.
Why Work With Colonial General?
As an MGA and E&S broker, Colonial General combines niche underwriting expertise with broad market access. We support producing agents with responsive underwriting, practical placement solutions, and the ability to match accounts to the carrier best suited for the exposure. Our approach is intended to streamline placement for both solo consultants and growing technology firms.
Example: You might have a client who provides cloud-based accounting software to small businesses. Using this program you can pursue professional liability coverage specifically tailored to software errors and service interruptions, and add general liability where needed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is well suited for IT consultants, software developers, MSPs, web developers, computer repair businesses, and tech start-ups offering consulting or software services.
Is General Liability included with the policy?
General Liability can be provided on select accounts when allowed by the carrier’s underwriting guidelines; it is not automatic for every submission.
Are admitted markets available?
Yes. Some carriers in our panel offer admitted products depending on the state and the risk; other accounts may be placed in excess & surplus markets.
Which states is this program available in?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY for appointed agents and brokers.
Can I get multiple limit and deductible options?
Yes. We work with carriers that offer a range of limits and deductible structures so you can tailor terms to the client’s exposure and budget.
Need help placing an account? Connect with a market specialist.