Technology Errors & Omissions (Tech E&O) Covers claims that your company's product, service, or advice caused a client financial loss — a failed software rollout, a coding error, a missed go-live date, or a system outage you're blamed for. For most IT businesses, this is the single most important policy to carry.

Cyber Liability Insurance Covers your business's own exposure to a data breach, ransomware attack, or network security failure — including notification costs, forensics, business interruption, and regulatory fines. For an IT company, a cyber incident can also mean liability to clients whose systems or data you manage.

General Liability Insurance Protects against third-party bodily injury or property damage claims — for example, if a client or visitor is injured at your office, or your equipment damages property at a client site.

Business Owners Policy (BOP) Bundles general liability with property coverage for your office, equipment, and business personal property — a cost-effective option for many small and mid-sized IT firms.

Workers' Compensation Insurance Virginia requires coverage for any business with more than two employees, including part-time and seasonal staff. This covers medical costs and lost wages if an employee is injured on the job.

Employment Practices Liability (EPLI) Covers claims like wrongful termination, discrimination, or harassment allegations — an increasingly common exposure as IT firms grow their headcount and manage remote or hybrid teams.

Commercial Auto / Hired & Non-Owned Auto If your technicians or consultants travel to client sites using company vehicles or their own cars, you need auto liability coverage to protect the business in the event of an accident.

Meeting Client and Contract Requirements

Many of Trans-Atlantic's Virginia IT clients work with government agencies, prime contractors, or enterprise customers that specify minimum insurance requirements — often including specific Tech E&O and cyber liability limits — before a contract can be signed. We regularly help Virginia IT businesses: