GeneralAverage

Industry

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.

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 for Healthcare IT

  1. 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.

  2. 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.

  3. 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.

  4. Small Business Insurance — National Association of Insurance Commissioners. General liability and other types of business liability sections
  5. 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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