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Technology Combined
Specialist insurance for technology businesses operating in a sector defined by continually evolving risks.
Get a quote
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.
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.
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.
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:
- Professional Liability
- Cyber Liability - primary and excess layer limits up to £5m, available on an Any One Claim basis
- Fidelity
- Property Damage
- Money and Personal Assault
- Business Interruption
- Damage to Portable Property
- Transit
- Employers' Liability
- Public and Products Liability
- Directors and Officers Liability
- Entity Defence
- Employment Law protection
- Legal Expenses
Cyber coverage including:
- 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 to fully policy limit
- Cyber theft
Cyber extensions available:
- Betterment
- Bricking costs
- Crypto-Jacking
- Telecommunications fraud
- Regulatory Shutdown
- Voluntary Shutdown
- Reward coverage
- PR Crisis Management
- Emergency Cyber Response Service
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.
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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
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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)
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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
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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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