Insurance for Technology Business Owners
Technology & IT Insurance NZ
Exclusive Insurance helps technology business owners protect their work, data, equipment and income. We arrange practical business insurance for software, IT and startup businesses, and explain your options in plain language.
Protecting Your Technology Business
Whether you build software, run a platform or provide IT support, your business carries real risks — a hack or data breach, a service that does not work the way a client expected, an outage that stops you earning, or a fire or theft at your office. Exclusive Insurance works with technology businesses across New Zealand to put the right cover in place, match it to the clients and contracts you take on, and help you through a claim if you ever need to make one.
What Insurance Does Your Technology Business Need?
Every tech business is different, so the right mix depends on what you build, who your clients are and the data you handle. The types below are the ones technology businesses most often ask us about. We help you choose what fits, and explain what each may help protect against — in simple terms, with no obligation.
Cover Types
Who Is This For?
Why Exclusive Insurance Services?
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Get specialist advice tailored to your situation. No obligation, no pressure.
Frequently Asked Questions
What insurance does a tech startup need?
Most technology startups look at cyber insurance, professional indemnity (sometimes called technology errors & omissions) and liability cover. The right mix depends on what you build, who your clients are and the data you handle. We help you work out a sensible starting point and grow the cover as the business grows.
Are we covered if we are hit by ransomware or a data breach?
Cyber insurance may help with the cost of responding to a ransomware attack or data breach, restoring your systems, letting affected people know, and the income you lose while you recover. Cover and limits vary between insurers, so we help you choose a level that suits your business.
What if our software or service fails and a client says it cost them money?
Professional indemnity (or technology errors & omissions) may help cover claims that your software, service or advice did not perform as promised and caused a client a financial loss, subject to the terms of your policy. Many client contracts also require you to hold this cover.
We work with overseas clients — does that matter?
It can. Where your clients are based, and where their data is stored, can affect how your cover responds and what obligations apply if something goes wrong. We help make sure your policy reflects the markets you actually work in.
We lease our office or work remotely — what do we need to insure?
You would usually insure your own equipment and contents, plus cover like cyber, liability and business interruption; a landlord typically insures the building itself. The details depend on your setup and lease, so we help you check what you are responsible for.
Can you review our existing insurance?
Yes. We can review your current policies, explain in plain language what they do and do not cover, and suggest options where there may be gaps or savings — with no obligation to switch.
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About this page
Reviewed by Adi Sehgal
Verified adviserDirector & Principal Adviser
This page is general information about the class of cover. Actual cover, terms, premiums, limits, exclusions and eligibility vary by insurer, policy wording, underwriting decision and individual client circumstances. Nothing on this page constitutes personalised financial advice.