RF Ougheltree Insurance

Technology & Telecommunications

Technology companies are different from traditional professionals and require specialist insurance that provides professional and technology insurance for any business that is providing technology services and products, or using technology to provide their client services.

Eligible Accounts:

No restrictions. The full spectrum of companies in technology, media and business services including but not limited to:

  • Application Service Providers
  • Database Managers, Data Conversion and Data Storage Services
  • Electronics Manufacturers
  • Internet and Digital Media Services 
  • Information Technology Services 
  • Network Security Services
  • Network Developers, Managers and Consultants
  • Search Engines
  • Social Media Company
  • Software Developers
  • Telecommunications and Wireless Services 
  • Technology Consultants
  • Website Developers, Designers, Consultants, Hosts and Administrators
  • Combined hardware/software and business services providers


  • Admitted and Non-Admitted forms
  • Primary and Excess 
  • Worldwide coverage
  • Limits capacity of over $50,000,000 for large accounts
  • Deductibles as low as $1,000 for eligible accounts
  • Cross over coverage extensions 
    • Multimedia and advertising liability coverage for companies involved in advertising their own products as well as companies in the media industry
    • Network security
    • Data/privacy including breach notification, credit monitoring, public relations and forensics expenses, regulatory action defense
    • Computer system extortion expenses & loss
    • Business interruption loss
    • Data recovery expenses 

Contingent bodily injury and property damage and other enhancements available on selective risks.

Risk Management Services


MicroTek®   (Designed for small organizations with up to $500,000 in revenues and 3 professionals)

This product is available to be quoted on line.  See Online Quoting below.   

AFB MEDIA TECH®   Modular product with focus on small business

(The policy combines professional and technology based services, technology products, computer network security, multimedia and advertising liability)

Esurance™ TECH  An insurance package designed specifically for the technology sector.

(The policy includes professional indemnity, products liability, intellectual property rights infringement, directors’ and officers’ liability, comprehensive office package)

Special Risk Protector®   A single policy with 8 coverage sections that makes it easy for companies to secure the multi-faceted E&O protection

(Errors & Omissions, Media Liability [content, publishers and broadcasters], Security and Privacy Liability, Event Management, Cyber Extortion, Network Business Interruption, Employed Lawyers Professional Liability, CrisisFund®)

Online Quoting:

United States Liability Company

The following link will enable you to quote online through United States Liability Insurance Co (USLI).  This product is designed for smaller firms with revenues up to $500,000 and 3 professionals. Review the Target Accounts list of eligible accounts and criteria.


If you are using this service for the first time you will need to create a new account.  If you are a returning customer, you will need to supply your user name and password.

Click on Target Accounts for a list of risks that are eligible for this product.


Change Management - The Silent Project Killer

Other Coverages:

While coverage is available in the traditional monoline form, an increasingly popular policy format for offering protection is bundling coverage as a package. 

There are two basic packages that are gaining in popularity: a comprehensive version that lets the insured select from a full array of coverage modules to match their risk profile, and a specified limited version with cross over options for media liability/ internet E&O which is designed to address intellectual property, defamation, deceptive trade practice issues that arise directly from a company’s Internet sites and activities, and privacy and network security insurance.

All or most other coverages that make the RFO practice are appropriate. Contact a staff broker to discuss a particular account.

All insurance product and/or coverage descriptions are informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverage may not be available in all jurisdictions.