Ransomware locks your build servers and customer database for three days. Investigation, recovery and notifying customers come to £24,000.
Covered by Cyber
Insurance for AI, tech and SaaS.
What one bad release can cost.
The risks that come with building and running technology, and the cover that pays.
Two engineers' laptops are taken from a car on the way to a client workshop. Replacing them costs £4,800.
Covered by All Risks
A customer refuses to pay a £12,000 invoice, saying the release missed the agreed specification. Recovering it takes legal help.
Covered by Legal Expenses
Illustrative examples. Cover depends on the package and limits you choose.
Three steps. No long phone calls.
Getting covered shouldn't be a project. Start to finish, it's all online.
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
Backed by
The insurers and partners behind your cover.
Cover built for building technology.
Your product lives on servers and laptops, and your revenue lives in contracts. The cover should follow both.
Data is the business
Customer data, source code and credentials all sit on your systems. Cyber pays for the response when they are breached, from investigation and recovery to notifying the people affected.
Laptops go everywhere
All Risks covers the laptops, phones and equipment you name against theft, loss and accidental damage, at the office, at home and on the move.
Contracts are where disputes start
A customer who won't pay, a supplier who breaks terms. Legal Expenses pays the professional fees to resolve it, with legal advice on the phone.
The policies that matter most
The core modules for your trade. Tap through for what each one does.
Get instant insurance- CyberA data breach, ransomware or account takeover — incident response, recovery and liability.
- All RisksBroader cover for accidental loss or damage to business assets — including the kit you take off-site.
- Legal ExpensesLegal costs and expert advice when a dispute hits — employment claims, tax investigations, contract and debt recovery — plus a 24/7 legal advice line.
- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- Professional IndemnityClaims that your advice, designs or work caused a client financial loss.Coming Soon
Professional Indemnity is launching soon and cannot be bought yet. It answers claims that your software, advice or service cost a customer money. Every other cover here you can buy today.
Who this covers.
Software, AI and IT businesses we cover. If yours isn't here, search for it when you start a quote.
Software and SaaS companies
Software products, apps and platforms built and hosted for customers.
IT support firms and consultants
IT support, networks, cloud and managed services for other businesses.
AI startups
Building AI products, models and tools for customers.
Web and app developers
Building websites, web apps and mobile apps for clients.
Web designers
Websites, online shops and landing pages for businesses.
Hosting providers
Hosting websites and applications for customers.
Data and analytics firms
Processing, analysing and reporting on data for clients.
Data protection consultants
Advising businesses on GDPR and how they handle data.
IT trainers
Teaching software, coding and IT skills to teams and individuals.
Digital consultancies
Advising businesses on online platforms and digital strategy.
Software and SaaS companies
Software products, apps and platforms built and hosted for customers.
IT support firms and consultants
IT support, networks, cloud and managed services for other businesses.
AI startups
Building AI products, models and tools for customers.
Web and app developers
Building websites, web apps and mobile apps for clients.
Web designers
Websites, online shops and landing pages for businesses.
Hosting providers
Hosting websites and applications for customers.
Data and analytics firms
Processing, analysing and reporting on data for clients.
Data protection consultants
Advising businesses on GDPR and how they handle data.
IT trainers
Teaching software, coding and IT skills to teams and individuals.
Digital consultancies
Advising businesses on online platforms and digital strategy.
More than a policy
A dispute or a tax enquiry tends to land when you've least got time for it. Add Legal Expenses and you've got experts on the phone, and if you ever do need to claim, we get your notification straight to the specialist team appointed to handle it, and they take it from there, so a bad day doesn't derail the business.
Legal cover when disputes hit
- Employment & tribunal disputes
- HMRC tax & VAT enquiries
- Contract & debt recovery
- Crisis communications & PR
Experts on the phone
- 24/7 legal advice line
- Tax & VAT advice, weekday hours
- Confidential counselling, 24/7
Questions, answered.
Cyber for your data and systems, All Risks for laptops and equipment, Legal Expenses for contract disputes and Public Liability for client sites. Professional Indemnity is launching soon.
Not yet. A customer saying your product or advice cost them money is Professional Indemnity, which careless™ cannot quote today. Check any contract that asks for it before you sign.
Most AI startups are quoted as software developers. Start a quote, tell us what you build, and you'll see a price.
For most tech businesses it takes a few minutes online: answer the questions, see the price and buy. Your documents arrive by email once you've paid.
Your cover is arranged with Kovrilo, a UK MGA backed by Mission.
Yes. We're an Appointed Representative of Stubben Edge (Risk) Limited, regulated by the Financial Conduct Authority (FRN 943286).