What Is TechInsurance?

TechInsurance is an agency, not an insurer: your policy comes from one of its partner insurers, such as The Hartford, Hiscox, Chubb or Travelers. Beyond tech coverage, it quotes standard small-business lines such as general liability, workers' compensation and business owner's policies, so a small firm can keep most of its insurance with one agency. ^8 6

What Are the Pros and Cons of TechInsurance?

Pros

• One application, several quotes.

  TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. ²Company-reported. Public application description; no application submitted or quote obtained.

  Useful when you want to see prices side by side without filling in a form for each insurer.

• Tech E&O and cyber together.

  TechInsurance markets technology errors and omissions coverage as a bundle of E&O and cyber liability insurance. Confirm the actual forms and whether the offered cyber protection addresses both the company’s own losses and liability to clients. ⁷Company-reported. Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.

  For a software business, one bundle can address both a client's claim that your product failed and a data breach.

• A named account manager and online certificates.

  TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. ^1,3Company-reported. Documented service description, not tested service speed or quality.

Cons

• No quote turnaround promise.

  TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. ³Company-reported. Public quote-account instructions; no universal turnaround time established.

  If a customer contract has a deadline, get the policy's effective date in writing before you tell them you're covered.

• Limited support for complex programs.

  The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. ^2,3Not publicly disclosed. Scoped public-information gap; does not establish that these services are unavailable.

  A company with a board, a growing workforce or overseas operations should agree renewal ownership and response times up front.

• Commission incentives can steer insurer choice.

  SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. ¹⁰Company-reported. Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.

How Does TechInsurance Work?

Small businesses can use TechInsurance to compare quotes and work with agents; it operates as an agency and brokerage. Its legal disclosure identifies it as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. ^3,9,10Company-reported. Brand and disclosed producer entity; company sources, not independent regulatory verification.

TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. ^2,3,12Company-reported. Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.

Before applying, write down what your product does, who buys it and the insurance terms in your customer contracts. The quotes are only as accurate as your answers, and the agent should explain exclusion differences alongside price. ²

What Coverage Does TechInsurance Offer, and Where?

Its marketed catalogue includes general liability, professional E&O, cyber, workers’ compensation, business owner’s policies, commercial property, commercial auto, umbrella, directors and officers, employment practices liability, and fidelity bonds. It also lists contractors’ tools and equipment coverage and offers agent assistance with surety bonds. ^6,1,8,3Company-reported. Direct sales catalogue and explicit agent service. Tools/equipment mapped to the shared inland-marine key; no claim of all inland-marine products.

TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. ^8,7Company-reported. Marketed customer groups, not acceptance criteria or proof of growth-stage capacity.

Keep professional E&O and technology E&O distinct in a quote request, and ask whether the cyber part covers your own losses as well as claims from clients. ⁷

TechInsurance’s California sales page offers an application and quote-comparison route for general liability, professional E&O, business owner’s policies, workers’ compensation, cyber, commercial auto, fidelity bonds and umbrella coverage. This establishes a marketed California route, not acceptance of a particular startup or availability of every listed product. ⁵Company-reported. California-specific sales page with product quote controls; no live placement or underwriting acceptance tested.

TechInsurance reports licensing in all 50 states and Washington, D.C., and lists California license 0L09546. Current regulator status, authority and appointments were not independently verified for this profile. ⁴Company-reported. Company license disclosure only; do not label regulator verified.

TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. ⁸Company-reported. Partner names are commercial brands; no policy declarations or product-specific insurer allocation inspected.

How Is TechInsurance Paid, and What Service Does It Provide?

TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. ^9,10Company-reported. Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement.

Ask for an itemized proposal separating premium, taxes, agency fees and financing. A free quote doesn't tell you what the placement will cost. ¹⁰

TechInsurance’s claims guidance generally directs customers to the insurance carrier. It says its agents can help locate policy information or the insurer’s contact details; it does not establish that TechInsurance adjusts claims or guarantees an outcome. ¹¹Company-reported. Educational claims instructions used only for the explicitly described agent-contact service, not evidence of coverage or claims quality.

That means you report claims to the insurer, not TechInsurance. Save the insurer's notice instructions when you bind and ask who helps with an urgent incident outside business hours. ¹¹

What Should You Confirm in TechInsurance Quotes?

• Issuing insurer: The exact insurer on each policy and whether it's admitted or surplus lines. ^4 8
• Technology scope: Whether the covered-services description matches your software, implementation work and client duties; the E&O and cyber forms, limits, retentions and prior-acts terms. ⁷
• Growth-stage lines: Whether the D&O and employment practices quotes cover the entities, people and locations your board and workforce need. ⁶
• Market choice and fees: Which insurers were approached, which declined, and what the agency earns on the one it recommends. ¹⁰
• Ongoing service: Who owns renewals, urgent certificates and claim-notice help, in writing. ^3 11