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Cloud Computing Service Provider Insurance
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Why do cloud computing businesses need insurance?
Your clients depend on your services to work anywhere in the world, but if there's a disruption, the result could be a lawsuit. Business insurance protects cloud computing companies from hefty legal fees and settlements. It can also cover costly injuries, fires, cyberattacks, and auto accidents.
Find affordable coverage
Cloud providers can save money by comparing free quotes from top insurers.
Fill out Insureon's easy online application to get quotes and advice from a licensed insurance agent.
What types of insurance do cloud computing businesses need?
These insurance products cover common risks for cloud computing firms.
Technology errors and omissions insurance
Tech E&O covers legal expenses related to your work performance, such as a client who sues over a service outage. You can often add intellectual property and media liability coverage.
BEST FOR
- Data loss from system failure
- Data breach lawsuits
- Breach of a service level agreement (SLA)
General liability insurance
This policy covers basic cloud computing business risks, such as accidental damage to a client's property. You can often combine it with commercial property insurance at a discount in a business owner's policy (BOP).
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Cyber insurance
This policy helps cloud computing companies financially survive data breaches and cyberattacks. It’s sometimes called cybersecurity insurance or cyber liability insurance.
BEST FOR
- Client notification expenses
- Fraud monitoring costs
- Data breach investigations
Commercial auto insurance
This policy covers the cost of an accident involving a vehicle owned by your cloud computing firm. Most states require this coverage for business-owned vehicles.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Workers’ compensation insurance
Most states require workers' comp for cloud companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from workplace injuries
Fidelity bonds
Fidelity bonds compensate your clients if one of your employees steals from them. Your clients might require you to purchase a bond, especially if you work in financial services.
BEST FOR
- Unlawful data access by an employee
- Unauthorized money transfers
- Other employee theft or fraud
Looking for different coverage? See more policies.
How much does cloud computing business insurance cost?
A cloud computing company with only a few employees will pay less for insurance than a larger business.
Factors that affect premiums include:
- IT / tech services offered
- Business property and equipment
- Business revenue
- Types of insurance policies purchased
- Policy limits and deductibles
- Claims history
How do I get cloud computing insurance?
It's easy to get cloud computing, data center, or managed service provider (MSP) business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find cloud insurance for your company, whether you work independently or hire employees.
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Common questions about cloud computing business insurance
What other insurance policies do cloud computing companies need?
Getting the right insurance is a crucial part of any business’s risk management plan. Depending on the specifics of your cloud computing company, you may want to consider additional policies, such as:
- Business owner's policy: A BOP combines general liability coverage with commercial property insurance at a discount. It protects against common lawsuits and business property damage.
- Business interruption insurance: This policy helps cover day-to-day operating expenses and lost profits in the event of a temporary closure due to a natural disaster or other covered property claim. It's often included with a BOP or property insurance.
- Employment practices liability insurance (EPLI): This policy covers legal costs from employment-related lawsuits, such as an allegation of unfair hiring practices or wrongful discipline.
- Directors and officers insurance (D&O): D&O insurance pays for legal costs when a board member or officer is taken to court for a decision they made on behalf of your cloud company.
How can I save money on cloud computing insurance policies?
The insurance industry has a wide range of pricing for the same policies, which is why it's important to shop around. You can start by comparing free business insurance quotes with Insureon.
Our licensed insurance agents can help make sure you get the right coverage for your cloud computing business at an affordable price. Most small businesses can get insured and download a certificate of insurance within hours of applying for quotes.
Read more about how to save money on insurance.