Technology

A practical map from operating exposure to policy, wording, claim, and risk-control decisions.

Key risks

Professional error
Cyberattack
Service outage
Data loss
IP allegation

Recommended policies

Technology PI / E&O
Cyber
Crime
D&O
Property / BI

Critical extensions

Dependent systems
Incident response
Media liability
Contractual liability buy-back
Business interruption

Common gaps

Contract promises exceed policy
War/state-backed exclusion
Unapproved vendors
Retroactive date gap

Typical claims

Cloud outage
Ransomware
Failed implementation
Privacy claim

Risk-management advice

Align contracts and insurance
Inventory dependencies
Retain logs and change records
Test incident response

This is a general industry map, not a recommendation for a particular business. Requirements may depend on contracts, activities, locations, values, law, risk appetite, and complete policy wording.