What should I compare between cyber and technology E&O quotes?
Start with the event and loss you are asking about: a data incident, a claim about software performance, or an interruption to a customer’s workflow. NAIC distinguishes first-party cyber costs from third-party claims; ask the broker to map each scenario to the exact terms rather than treating the policy names as interchangeable.[2][3]
List customer service commitments, integration dependencies, data vendors, response duties, and the systems customers rely on. HHS identifies availability, backups, data return, and security as cloud-service agreement topics.[1]
Ask which policy is proposed for each described allegation and request its relevant exclusions, sublimits, and defense terms.[2][3]
Read the Healthcare IT Insurance Buying Guide
Sources and Further Reading
- Guidance on HIPAA & Cloud Computing — U.S. Department of Health and Human Services, Office for Civil Rights. Questions 1–3 on cloud providers, BAAs, and risk analysis; Question 7 on mobile device access; SLA topics in Question 1
Map covered-entity, business-associate, BAA, SLA, and cloud-provider roles for your customer relationship.
- Cybersecurity — National Association of Insurance Commissioners, Center for Insurance Policy and Research. Cyber loss categories and customized-policy qualification
Review NAIC’s warning that cyber coverage is customized and generally distinct from property and CGL terms.
- Cyber Insurance: Cybersecurity for Small Business — National Association of Insurance Commissioners. First-party and third-party coverage sections; vendor-held data and defense wording prompts
Use NAIC’s first-party and third-party examples as questions for the proposed wording.
- Small Business Insurance — National Association of Insurance Commissioners. General liability and other types of business liability sections
- Commercial Insurance Guide — California Department of Insurance. Commercial property and commercial general liability topics
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.
Updated 2026-09-28. Editorial Policy
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