Beginner explainers
Insurance requirements explained before they slow down the deal.
Start here when a contract, broker form, or cyber application uses a term that feels obvious to insurance people but unclear to everyone else. Each page explains what the term means, why it shows up, and what to do next.
Cyber liability
Clients ask for cyber liability when they want proof that you can respond if their data, systems, money, or confidential information is affected by a cyber event.
Open explainerBeginner guideProfessional liability
Clients ask for it when they rely on your expertise and want protection if they believe your work created a loss.
Open explainerBeginner guideTechnology E&O
A client may reject generic professional liability if your work is technical and the policy does not clearly fit software or IT-related services.
Open explainerBeginner guideErrors and omissions
Contracts may use E&O, errors and omissions, and professional liability as similar terms, but the exact policy still needs to fit your services.
Open explainerBeginner guideMFA
Cyber insurers and clients care about MFA because stolen passwords are a common way attackers get into email, cloud systems, remote access tools, and admin accounts.
Open explainerBeginner guideBackups
Insurers and clients ask about backups because a business that cannot restore data may face longer downtime and larger losses after a cyber incident.
Open explainerBeginner guideCertificate of insurance
Clients ask for a COI because they want proof of coverage before work starts, but the certificate is not the full policy.
Open explainerBeginner guideAdditional insured
Clients ask for it because they want some protection under your policy, but it may not apply to every type of insurance.
Open explainerBeginner guideAggregate limit
A contract may require both a per-claim limit and an aggregate limit, and those are not always the same number.
Open explainerBeginner guideClaims-made policy
Many E&O and cyber policies are claims-made, so gaps in renewal, reporting, or retroactive dates can create problems.
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