Technology Combined


Specialist insurance for technology businesses operating in a sector defined by continually evolving risks.



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Tech Insurance and beyond

We have a range of sales, marketing and technical documents available to help you discover how Technology Combined can help protect your clients. To make this easier for you, click the button below to download them all as a bundle, or you can also download them individually.

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How do I get a quote for Technology Combined?

However you choose to trade, we're committed to providing the exceptional service and quick decisions you rely on.

Technology combined is available to trade manually on the open market. You can request a quote for your client today via the following methods:

Proposal Form
You can download our Technology Combined proposal form here, and submit it to MarkelUKFinancialLines@markel.com. For reference, you can find the Specimen Policy Wording here.

Existing Market Presentation
For new business submissions, you can email your existing market presentation to the team at MarkelUKFinancialLines@markel.com.

Telephone
If you wish to discuss the risk with our specialist underwriters, you can get in contact with the team via the phone on 0345 351 2600.

Technology Combined is available to trade on our broker eTrade portal, Markel UK online.

Digital speed plus human expertise gives your clients the competitive edge they deserve.

If you already have an account, you can log into it here.

Alternatively, you can request an account here.

What makes Technology Combined different?

Built on insight

We've developed Technology Combined based on the insights we've gained from talking to brokers and tech businesses, resulting in a product that understands the demands of the tech sector and that goes beyond insurance, supporting your tech clients through every challenge.


Download our insights pack

Specialist coverages for complex risks

Technology Combined offers comprehensive, tailored insurance for tech clients and covers all bases, including technology professional liability, worldwide* cyber and data risks and a 24/7 cyber incident response service with up to 48 hours worth of emergency costs - and more.

Legal advice and contract review

Our round-the-clock legal advice line gives your tech clients easy access to our team of in-house solicitors for all their everyday legal queries - 24/7 and at no extra cost. Plus, our contract review service gives them peace of mind to sign on the dotted line knowing that they're both getting and offering fair terms.

Backed by 5-star service

Brokers have voted us Insurance Times Commercial Lines Insurer of the Year, and our commitment to building strong partnerships with you and your customers is stronger than ever.

What does Technology Combined protect against?

In the fast-paced world of technology, threats emerge and evolve all the time. Having flexible, scalable insurance cover tailored to the unique risks tech companies face is a must. Coverages available include:

  • Professional Liability

    Covers your legal liability for any civil liability* arising from your technology products and services in connection with your business (provided these have been declared to and accepted by us).


    • Civil liability
    • Products & services
    • Infringement of intellectual property rights
    • Dishonesty of employees or services providers
    • Service provider liability
    • Unintentional breach of contract
    • Automatic acquisitions
    • Mitigation costs
    • Outstanding invoices
    • Indemnity to principals
    • Loss of documents
    • Joint ventures & consoria
    • Regulatory investigations
    • Public relations crisis management
    • Court attendance compensation

    *N.B. a civil liability is any liability you may incur other than a criminal one. It therefore includes. amongst others negligence and contractual liability

  • Public/products Liability

    Public liability covers your legal liability for injury to any person (other than employees) and/or loss or damage to property; libel. slander or defamation; wrongful arrest etc; trespass or nuisance; arising from your business and occurring during the period of insurance.

    Products liability covers your legal liability for injury and/or loss or damage to property arising from your technology products.

    • Injury
    • Loss or damage to property
    • Libel & slander or defamation
    • Wrongful arrest
    • Trespass or nuisance
    • Health & Safety at Work Act
    • Defective Premises Act
    • Food Safety Act
    • Overseas personal liability
    • Additional Insured - vendor
    • Product to product liability
    • Product demonstration, advice & training
    • Consumer Protection Act
    • Product recall
    • Indemnity to principal
    • Compensation for court attendance

  • Directors and Officers Liability

    Directors and officers liability covers your legal liability as a director or officer of the company.


    • Director or officer liability
    • Disqualification proceedings
    • Extradition proceedings
    • Environmental proceedings
    • Manslaughter claims
    • Public relations crisis management
    • Non-executive directors
    • Emergency costs & expenses
    • Outside board cover
    • Retired director or officers
    • Company reimbursement
    • Compensation for court attendance

  • Entity Defence
    • Public relations crisis management
    • Identity fraud
    • Investigations
    • Corporate manslaughter
    • Breach of contract
    • Pollution
    • Taxation
    • Data protection

  • Employers Liability

    Covers your legal liability for up to £10,000,000 to employees injured whilst in your employment.


    • Health & Safety at Work Act
    • Indemnity to principal
    • Compensation for court attendance

  • Employment law protection

    Employment law protection covers your legal liability following and employment dispute.


    • Employment disputes
    • Health & safety investigations

  • Property Damage

    Property damage covers your buildings and contents against accidental damage (including theft) on a reinstatement basis (i.e. 'new for old').


    • Professional fees
    • Automatic cover for new buildings, extensions, contents, and increases in value due to inflation
    • Debris removal
    • Contract works
    • Automatic inclusion of interested parties
    • Replacement of locks following theft of keys
    • Public authorities and European Union legislation clause
    • Incidental theft damage to buildings
    • Additional metered utility charges
    • Trace and access
    • Damage to your property at an exhibition
    • Fire extinguishment expenses
    • Fixed glass
    • Theft of oil
    • Theft of metal
    • Subsidence
    • Loss of documents
    • Computer and telecommunications equipment breakdown & damage
    • Machinery breakdown
    • Contamination event
    • Controlled environment deviation
    • Reinstatement of data
    • Property awaiting installation

  • Business interruption

    Business interruption covers your loss of revenue, gross profit, rent receivable, research and development expenditure, research and development payments and/or increase in cost of working and/or additional cost of working for an agreed period due to interruption in your business following damage which is insured, or would have been insured if you were responsible for insurance under the property damage section.


    • Declaration linked basis
    • Flexible first loss cover available
    • Contractual commitments
    • Controlled environment deviation
    • Contamination event
    • Machinery breakdown
    • Computer security
    • Murder or suicide at the premises
    • Failure of utilities
    • Specified customers
    • Specified suppliers
    • Unspecified customers
    • Unspecified suppliers
    • Non-damage denial of access

  • Money and personal assault
    • Loss of money within the UK (fixed limits)
    • Personal assault cover extends to members of family, employees and volunteers

  • Damage to portable property
    • Reinstatement basis of settlement

  • Transit
    • Property damage anywhere within the UK

  • Fidelity
    • Loss of money or goods arising from the dishonest or fraudulent acts of employees
    • Loss of property or funds through computer fraud or fraudulent transfer

  • Cyber and data risks
    • Cyber & privacy liability
    • Privacy breach notification & mitigation costs
    • System & data rectification costs
    • Regulatory investigations & fines
    • PCI DSS investigations & fines
    • Business Interruption caused by a security failure
    • Dependent business interruption (system failure of a critical service provider caused by a security failure)
    • System failure business interruption
    • Dependent system failure business interruption
    • Extortion costs
    • Cyber theft
    • Betterment
    • Bricking costs
    • Crypto-jacking
    • Telecommunications fraud
    • Regulatory shutdown
    • Voluntary shutdown
    • Reward coverage
    • PR Crisis Management
    • Emergency cyber response service
    • Court attendance compensation

Who is Technology Combined for?

From start-up to scale-up, Technology Combined is built to support tech companies at every stage of their growth journey with comprehensive, tailored cover.

  • Hardware
    • Warehouse Logistics
    • Telematics
    • Robotics
    • Production/inspection equipment
    • Printed circuit board manufacturer equipment
    • Factory automation equipment
    • Electronic wafer fabrication equipment
    • Electronic sorting equipment
    • Defence support equipment
    • Control/prevention Equipment
    • Building automation systems
    • Tele/video conferencing Equipment
    • Scientific instruments
    • Printers
    • Monitors & terminals
    • Laboratory equipment
    • Hand held devices(not direct to consumer)
    • Fibre optic Cables
    • Equipment repair and maintenance
    • Display equipment
    • Consumer Electronics Manufacturer (no design or consulting)
    • Computer memory systems
    • Board/systems test equipment
    • Wireless comms equipment
    • Web Server
    • Vehicle sensors - Non-Safety Critical
    • Telecoms device or equipment Manufacturer and value added services
    • Routers, Switches
    • Printed circuit boards
    • Optical Equipment
    • Network Components
    • Measuring equipment
    • Manufacturing control systems
    • Lasers - industrial
    • In home displays
    • Infotainment
    • Home energy management
    • Environmental analysis equipment
    • Electronic/photonic Manufacturer equipment
    • Electronic contract manufacturing
    • Electrical surge protectors
    • AI enabled hardware

  • IT Professional Services
    • Systems Integrator
    • Managed Service Providers
    • Data centres (operational control)
    • Website Development
    • Training
    • IT recruitment
    • Internet service provider - Consumer
    • Internet service provider - Business
    • Data entry/verification
    • Data centres (no operational control)
    • Cloud services

  • Software and Applications
    • Warehouse Logistics
    • Video Game Software
    • Telematics
    • Supply Chain Management
    • Process Control
    • Facilities Management Software
    • Enterprise Resource Planning
    • Customer Relationship Management
    • Building automation systems
    • Adtech
    • Workflow
    • Value Added Reseller
    • Office planning/automation
    • Graphics
    • Computer based training
    • Virtual Reality
    • Process Monitoring
    • Multimedia
    • Medical diagnostic/decision support
    • Inventory Control (not supply chain)
    • In home displays
    • Infotainment
    • Home energy management
    • Health tech - Online GP services
    • Fintech - Regulation
    • Educational Software
    • Document Management
    • Decision Support Systems
    • Computer Aided Design
    • Communication software
    • Cloud services - SAAS
    • Clinical Decision Support
    • Billing software
    • B2B software
    • Accounting software (not consumer)

  • Hardware
    • Network Components
    • Vehicle sensors/controls - Safety Critical
    • Utilities/Energy
    • SCADA
    • Satellites/Space
    • Public transportation (public transit/mass transit)
    • Power supplies for consumer electronics
    • Online Exchanges / Trading Platforms
    • Monitoring or controlling critical environmental conditions
    • Military/Defence
    • Government
    • Facial Recognition Technology
    • Energy management systems
    • Delivery services
    • Consumer Electronics Manufacturer (design or consulting)
    • Aerospace Equipment
    • "just-in-time” manufacturing

  • IT Professional Services
    • Voting process; to cast or count votes
    • Utilities/Energy
    • Social networking
    • Public transportation (public transit/mass transit)
    • Online Exchanges/Trading Platforms
    • Military/Defence
    • Government
    • Gambling
    • Financial, Trading and Transaction Software
    • Data Aggregators
    • Cyber Security Firms
    • Cryptocurrency/Digital Currency

  • Software and Applications
    • Voting process; to cast or count votes
    • Utilities Software
    • Trading companies
    • Social networking
    • Satellites/Space
    • Robotics - Delivery services
    • Public transportation (public transit/mass transit)
    • Online Exchanges/Trading Platforms
    • Monitoring or controlling critical environmental conditions
    • Gambling
    • Financial, Trading and Transaction Software
    • Facial Recognition Technology
    • E Commerce/payment processing
    • Cyber Security
    • Cryptocurrency/Digital Currency

Going beyond traditional insurance

We've listened to the challenges your tech clients face in their day-to-day business operations and put together a suite of value-added benefits, all included in Technology Combined as standard.

Cyber solution

When we spoke to tech businesses, cyber-crime was one of their biggest concerns. Technology Combined includes a 24/7 cyber response service, specialist education and resources, and up to 48 hours worth of emergency costs to help your tech clients prevent, mitigate and recover from risks.

Business advice and support

Getting the right resources in place can be challenging for technology businesses, and especially start-ups. That's why your clients get 24/7 access to our Business Hub, and online portal packed with business tools and templates that help your tech clients build a solid foundation - and put the right processes and policies in place as they grow.

Contractor solutions

Contractors and freelancers are common in the technology sector, but this can make tax tricky. Our experts are on hand to support your tech clients with navigation these complexities, ready to offer advice on contractors, employment status and IR35 to avoid unexpected letters from HMRC.

Legal advice and contract review

Our round-the-clock legal advice line gives your tech clients easy access to our team of in-house solicitors for all their everyday legal queries - 24/7 and at no extra cost. Plus, our contract review service gives them peace of mind to sign on the dotted line knowing that they're both getting and offering fair terms.

Product Documents

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