Technology E&O
Client loss from failures in the services you manage.
Business Insurance
Managed service provider insurance for MSPs.
You hold administrative access to every client network you manage. That concentration is what makes an MSP a distinctive risk.
Managed service providers differ from consultants in one important way: the relationship is ongoing and privileged. You hold credentials across many client environments, which means a compromise of your systems can propagate to all of them at once.
Aggregation and contractual liability
A single incident affecting your management tooling can produce claims from every client simultaneously. Underwriters look closely at your own security posture — multi-factor authentication, privileged access management, backup and segregation — because your controls protect their aggregate exposure as much as yours.
Client agreements frequently include indemnities and service levels that shift risk to you. Contractual liability is treated differently from ordinary negligence on most forms, so it is worth reviewing what you have agreed to alongside what you are insured for.
What it covers
The parts of a msp insurance policy
Cyber liability
Breach of your systems and, critically, propagation into client environments.
Business interruption
Your own downtime, and dependent interruption from key vendors.
Contractual review
Aligning what client agreements commit you to with what is covered.
Working with us
What we do differently
We are an independent agency, so we place your msp insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Document MFA, privileged access controls and backup separation
- Review client indemnities against what the policy actually covers
- Consider dependent business interruption for critical vendor outages
Common questions
MSP Insurance, answered
Why is MSP cover different from IT consultant cover?
Because of aggregation. You hold ongoing privileged access across many client networks, so one incident in your environment can produce claims from every client at once.
What security do underwriters expect?
Multi-factor authentication, privileged access management, segregated and tested backups, and endpoint monitoring. These are increasingly conditions of cover rather than discounts.
Does the policy cover what I promised in client contracts?
Not automatically. Contractual liability and indemnities are handled differently from negligence on most forms, so it is worth reviewing agreements and policy together.
Related cover
Often arranged alongside this
IT Consultant Insurance
Your client's systems are your exposure. Advice that goes wrong shows up as their downtime, not your damage.
Read moreCyber Liability Insurance
The cost of a breach is rarely the hacking. It is the notification, the forensics, the downtime and the lawyers afterwards.
Read moreSoftware Company Insurance
A defect ships to every customer at once. That is the difference between selling software and providing a service.
Read moreReady for a msp insurance quote?
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