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 Nevada clients

If you manage a client's network or cloud infrastructure, a breach 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 Nevada's Data Breach Notification Law
• Social engineering and funds transfer fraud where endorsed

A standalone Cyber policy is essential for Nevada clients in financial services and healthcare, who increasingly require proof of Cyber coverage.

General Liability

• Bodily injury or property damage to third parties at your Nevada 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 Nevada client MSAs require both.

Commercial Property

• Office space, servers, networking equipment, and furnishings
• Protection against fire, theft, and water damage at your Nevada 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.

Employment Practices Liability (EPLI)

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

Tech firms scaling fast in Nevada face elevated EPLI risk during rapid hiring and performance-based terminations.

Workers' Compensation

• Required by Nevada 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; Nevada DOL audits employers actively

Even a desk-based Nevada 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 Nevada 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.

Nevada Data Breach Notification Law

Nevada'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 Nevada IT firms managing client systems or storing customer data, this obligation applies regardless of firm size, and Cyber Liability insurance is essential for covering the notification and forensic costs that follow.

Major Nevada Corporate Client Requirements

Companies like Zappos and Switch maintain vendor risk management programs with specific insurance requirements before granting systems access or signing a master services agreement. Typical requirements include 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 meets the exact requirements.

Nevada Law Against Discrimination

Nevada's anti-discrimination laws are comprehensive, covering a wide range of protected classes and applying to employers of any size. The competitive tech hiring market in Nevada creates real EPLI exposure, with claims often filed in favor of plaintiffs in employment disputes.

Nevada Independent Contractor Classification

Nevada applies specific tests for worker classification. Tech firms relying on 1099 contractors should confirm classification carefully, as misclassification can expose the firm to Workers' Compensation back-premium assessments.