As the list below shows, Selective’s program for technology businesses offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.
Liability Insurance
Liability coverage for bodily injury, property damage, personal and advertising injury, and:
- Additional insured – primary and/or non-contributory
- Blanket additional insureds including vendors
- Blanket waiver of subrogation
- Broadened property damage
- Electronic data liability
Commercial Automobile Insurance
- Audio, visual and data electronic equipment
- Employees as insureds for non-owned, hired or borrowed autos
- Hired car physical damage
- Lease/loan gap coverage
Property Insurance
Coverage for building, business property, property of others, continuing business expense, and:
- Brands and labels
- Computer equipment and electronic data are included in the definition of business personal property
- Consequential loss to stock and selling price valuation
- Contractual penalties
- Coverage for electronic data destroyed or corrupted by a computer virus or harmful code
- Loss of business income due to a denial of service attack
- Systems PowerPac coverage for:
- Equipment breakdown
- Service Interruption
- Spoilage
- Utility services – direct damage and time element
- Worldwide coverage for laptops, personal property, property in transit and business income from dependent properties
To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:
- Business income - actual loss sustained available for 12, 18 or 24 months
- Crime
- Crisis response
- CyCuritySM – cyber liability coverage
- Employment practices liability
- Equipment breakdown
- Identity recovery
- Inland marine
- Technology errors & omissions
- A broad definition of your product and work that includes all of your technology-related or telecommunications-related business activities
- Basic extended reporting period of 90 days; supplemental extended reporting period available for up to five years
- Worldwide coverage territory, including claims and suits brought overseas
- Product recall expense
- Umbrella
- Workers compensation
When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.
- Best practices assessment/gap analysis
- Contractual liability consultation
- Workers compensation cost containment
- Driver and fleet safety programs
- Exposure reduction consultations
- Online safety training
- Premises liability reviews
- Regulatory guidance
- Safety assessment and benchmarking tools
- Sprinkler system evaluation/analysis
- Supervisor accountability programs
- Thermographic infrared surveys
For more information about Selective's Safety Management services, click here.