Technology E&O (Combined E&O + Cyber)

• Professional liability for negligence, mistakes, or failure to deliver IT services or solutions
• Cyber liability for data breach response, ransomware, and system downtime in a single form
• Particularly efficient for MSPs whose professional and cyber exposures are tightly linked
• Claims-made with retroactive date - protects work performed before the current policy period
• Common limits: $1M/$1M for independent consultants; $2M-$5M for firms serving larger Missouri clients

If you manage a client's network, a breach on systems under your management can generate both a professional liability claim and a cyber claim - a combined Tech E&O form covers both without a coverage gap.

Cyber Liability (Standalone)

• Data breach response: client notification, credit monitoring, forensic investigation
• Ransomware extortion payments and system recovery costs
• Business interruption from a cyber event affecting your own or client operations
• Regulatory fines and notification costs under Missouri's data breach law
• Social engineering and funds transfer fraud where endorsed

If your firm doesn't combine E&O and Cyber into one Technology E&O form, a standalone Cyber policy is still essential - Missouri clients increasingly require proof of Cyber coverage.

General Liability

• Bodily injury or property damage to third parties at your Missouri office or during client site visits
• Personal and advertising injury (libel, slander in marketing materials)
• Additional Insured endorsements for commercial landlords or co-working spaces
• Often bundled with Commercial Property in a BOP for firms with a physical office

GL covers premises and operational liability - not the professional errors that are the core IT exposure (that's E&O). Most Missouri client MSAs require both, since GL and E&O cover entirely different claim types.

Commercial Property

• Office space, servers, networking equipment, and furnishings
• Protection against fire, theft, and water damage at your Missouri location
• Business Income / Extra Expense if a covered property loss disrupts operations
• Equipment replacement cost valuation recommended given hardware costs

If you host any infrastructure on-premise, confirm your property limits reflect current replacement cost, not depreciated value. Many Missouri co-working spaces' master policies don't cover tenant equipment.

Employment Practices Liability (EPLI)

• Discrimination claims under Missouri law, which can be broader than federal law
• Harassment, wrongful termination, and retaliation claims
• Particularly relevant for growing tech firms scaling headcount quickly
• Defense costs and settlements in Missouri's plaintiff-favorable employment courts

Tech firms scaling fast in Missouri's competitive talent market face elevated EPLI risk during rapid hiring and inevitable performance-based terminations.

Workers' Compensation

• Required by Missouri law for any firm with employees
• Covers ergonomic strain, slip-and-fall, and other workplace injuries
• Employers Liability (Coverage B) protects against employee negligence suits
• Non-compliance fines can be significant; Missouri DOL audits employers actively

Even a desk-based Missouri tech firm carries WC exposure - repetitive strain injuries and office incidents are common claims.

Crime & Commercial Umbrella

• Crime: employee theft, fraud, or dishonesty - critical for firms with access to client systems or finances
• Commercial Umbrella: $1M-$10M+ excess liability above GL, Auto, and Employers Liability
• Umbrella frequently required by major Missouri corporate clients
• Crime coverage relevant for MSPs with privileged access to client financial or operational systems

A firm with administrative access to client networks carries a meaningful internal-theft exposure that GL and Cyber don't address.

Missouri Data Breach Notification Law

Missouri's data breach statute requires businesses maintaining computerized records of personal information to notify affected residents "in the most expedient time possible" after discovering a breach. For Missouri IT firms managing client systems or storing customer data, this obligation applies regardless of firm size, and Cyber Liability insurance is what covers the notification, credit monitoring, and forensic costs that follow.

Major Missouri Corporate Client Requirements

Companies like Cerner and Express Scripts maintain vendor risk management programs with specific insurance requirements before granting systems access or signing a master services agreement - typically including E&O, Cyber, GL, and Umbrella minimums, plus Additional Insured and Primary & Noncontributory wording. We review these vendor insurance exhibits before binding to ensure your program satisfies the exact requirement.

Missouri Law Against Discrimination

Missouri's anti-discrimination laws apply to employers of any size and create real EPLI exposure. The competitive tech hiring market and resulting employee turnover can lead to claims filed in Missouri courts, where plaintiff-favorable outcomes are common in employment disputes.

Missouri Independent Contractor Classification

Missouri applies specific tests for worker classification. Tech firms relying on 1099 contractors or freelance developers should confirm classification carefully - a contractor who works primarily for one firm, uses the firm's equipment, and follows direction may not satisfy independent contractor status, exposing the firm to Workers' Compensation back-premium assessments.