Managed Service Provider (MSP) Insurance

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Why do MSPs need insurance?

Your clients rely on you to run their technology smoothly, but if something goes wrong, your business could take the blame. Business insurance can cover your legal costs if a client sues over downtime, or pay for repairs in the event of a fire or burst pipe. Some policies, like workers' compensation, may be required by state laws or client contracts.

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One application, multiple quotes

Insureon helps managed service providers find insurance policies that match your unique risks.

Fill out one application to get multiple quotes from top-rated providers.

What types of business insurance do managed service providers need?

These insurance policies cover the most common risks faced by MSPs.

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General liability insurance

This policy covers basic MSP business risks, such as client injuries and client property damage. Bundle it with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
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Cyber insurance

This policy helps managed service providers survive data breaches and cyberattacks by helping to pay for recovery expenses, lawsuits, and other related costs.

  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
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Technology errors and omissions insurance

Technology E&O, also called professional liability insurance, covers legal expenses related to an MSP's performance. You can often add intellectual property and media liability coverage.

  • Failure to deliver promised services
  • Accusations of negligence
  • Work errors and oversights
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Commercial auto insurance

This policy covers the cost of accidents involving a vehicle owned by a managed service provider. Most states require this coverage for business-owned vehicles.

  • Car accidents
  • Vandalism and theft
  • Weather damage
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Workers’ compensation insurance

Most states require workers' comp for MSPs that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Workplace injury lawsuits
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Fidelity bonds

Fidelity bonds compensate your clients if an employee at your MSP company steals from them. Your clients might require you to purchase a bond.

  • Unlawful data access by an employee
  • Unauthorized money transfers
  • Other employee theft or fraud
Looking for different coverage? See more policies.

How much does technology business insurance cost?

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A managed service provider with only a few employees will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Type of services offered, such as cloud services
  • Business property and equipment
  • Business revenue
  • Types of small business insurance purchased
  • Policy limits and deductibles
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How do I get MSP insurance?

It's easy to get managed service provider business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your company, 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your MSP company, whether you work independently or hire employees.

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