Hendrickson Insurance
Hendrickson Insurance
IT consultant insurance in Florida is a technology errors and omissions policy, for the client's claim that your code, your network work or your advice failed, written together with cyber liability, for the breach that comes through your access to the client's systems. Hendrickson Insurance in Sarasota writes it for IT consultants, managed service providers, software developers and SaaS companies across the Gulf Coast and statewide. The data side is explained on cyber liability insurance in Florida; firms building with AI should read AI insurance in Florida.
IT consultant insurance in Florida, in one paragraph. Technology E&O covers the financial loss a client claims from a failure of your professional services or your product: the migration that lost data, the integration that broke billing, the application that did not do what the contract said. Cyber liability covers the breach: forensics, the notices section 501.171 requires within 30 days to affected Floridians and to the Department of Legal Affairs when 500 or more are affected, credit monitoring, ransomware and regulatory defense, with penalties for a late notice up to $500,000. An MSP with administrative credentials to fifty client networks has both exposures on every ticket, which is why carriers write the two coverages on one form for technology firms. Section 95.11(5)(b) of the Florida Statutes gives a professional malpractice claim two years, running from when the error is discovered or should have been discovered, and limits it to persons in privity with the professional. The application is here; Dennis reads it himself.
| Coverage | Typical limits | What it is for |
|---|---|---|
| Technology E&O | $1,000,000 to $5,000,000 per claim | A client's economic loss from a failure of your services or software. Contracts with enterprise and public clients set the limit; $1,000,000 is the floor, $2,000,000 to $5,000,000 for MSPs and SaaS with larger clients. |
| Cyber liability (first and third party) | $1,000,000 to $5,000,000 | Breach response, business interruption, ransomware and extortion, regulatory defense, and the client's claim that your access or your product caused their breach. Written on the same form as the E&O for technology firms. |
| Third-party agent exposure | Within cyber | Section 501.171(6) requires a third-party agent that discovers a breach of data it holds for a client to notify the client within 10 days. An MSP or a SaaS vendor is that agent. |
| General liability / BOP | $1,000,000 / $2,000,000 | A technician hurt on a client site, damage to a client's hardware, the office. Excludes professional services and data. |
| Workers' compensation | Statutory | Required at four employees under section 440.02. |
| Umbrella | $1,000,000 to $5,000,000 | Over GL and auto only; it does not sit over the E&O or cyber. |
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Two questions tell us whether we are the right fit. If we are, Dennis Hendrickson reads your application himself.
Get a tech E&O quote →Technology searches reach this office from Sarasota, Lakewood Ranch, Tampa, St. Petersburg and Orlando: MSPs serving medical and legal offices, developers and SaaS founders, and consultants who left a corporate IT department. The technology E&O and cyber market is a specialist set of carriers that underwrite on the security controls as much as the revenue: multi-factor authentication on administrative access, backups that are tested, endpoint detection, and for MSPs, how client credentials are stored. A firm without multi-factor authentication on privileged accounts is declined or sub-limited for ransomware by most of the market; turning it on before the application is the cheapest premium reduction available. Founders at the pre-revenue stage should read the tech startup insurance post first.
What this office writes, and what it does not. The firm that places E&O, cyber and the office package together is the account this office is built for. A solo developer who needs a $1,000,000 certificate for one contract starting next week can get it faster from an online technology program, and the quote page says so.Send it through the professional liability and cyber application or email the declarations to dennis@hendricksonins.com. Dennis Hendrickson reads every submission himself and responds the same business day in most cases.
Technology E&O for the client's claim that your services or software failed, and cyber liability for a breach, written on one form by the technology carriers. A general liability or BOP policy excludes both. Workers' compensation attaches at four employees under section 440.02, and the client's MSA sets the limits and the certificate wording.
Section 501.171 requires notice to affected individuals within 30 days of determining a breach, notice to the Department of Legal Affairs when 500 or more Floridians are affected, and a third-party agent holding data for a client to notify that client within 10 days. Civil penalties for failing to notify run $1,000 per day for the first 30 days and up to $500,000. The cyber policy pays the response and the notices.
Only to the extent the policy includes contractual liability. Most technology forms cover the firm's own negligence and the liability it would have had without the contract; an indemnity for losses the firm did not cause is often excluded. Send the MSA with the application so the proposal answers that question in writing.
Rated on revenue, services mix, the industries served, the number of records accessible, security controls and claims history. A consulting firm with multi-factor authentication, tested backups and no incidents is the lowest-rated profile; an MSP serving medical practices with a prior incident is rated higher. The quote is the only real number.
Yes. Hendrickson Insurance writes technology firms across Florida with the specialist technology carriers and the wholesale market. Dennis Hendrickson reads the application and the MSA himself.
Apply online or call 941-957-2796. Have your current dec pages with the retroactive date, claims history and the client contract requirements ready.
Dennis Hendrickson changed a New Jersey state tennis rule at 17 and played four years of Division I tennis at UNC Charlotte. Today he writes both the commercial and the personal insurance for Gulf Coast owners himself, and he works a renewal or a claim the way he played: nothing conceded, no point given away.
When you apply, he answers. Every application goes straight to Dennis. He reads it himself and responds the same business day in most cases, always within 48 hours.
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