Capsule Cover | SaaS & Tech Insurance

Cover for the risks driving today’s Tech

Saas & Tech businesses move quickly, bringing new products to market, scaling platforms and operating in a landscape where innovation and risk evolve constantly. Whether you develop software, deliver digital services or manage critical infrastructure, your exposures can be significant and fast‑changing.

As your technology advances, so do the risks. Capsule provides specialist advice designed for SaaS & Tech businesses, ensuring your cover evolves in step with your growth, customer expectations and regulatory or contractual requirements.

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Sectors we support

We work with SaaS & Tech businesses across the entire ecosystem, from early‑stage startups through to established high‑growth enterprises.

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AI

Intelligent technology that automates processes, analyses data and supports smarter decision‑making.

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ConsumerTech

Digital services built to enhance everyday consumer experiences.

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ClimateTech

Technology focused on tackling climate change, including solutions that reduce emissions and improve sustainability.

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Cyber Security & Privacy

Technologies that safeguard systems, data and personal information from digital threats.

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EdTech

Digital tools and platforms designed to improve learning, teaching and educational outcomes.

LawTech

Technology that streamlines legal processes and improves access to legal services.

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PropTech

Technology solutions transforming how property is bought, sold and managed.

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RegTech

Technology that helps businesses manage compliance, including AML, KYC and fraud tools.

SalesTech

Technology that enables sales teams to work smarter and close deals more effectively.

Cover built for fast moving SaaS & Tech

From protecting against software failures and data breaches to safeguarding leadership decisions and managing the fallout of service outages, specialist insurance is essential for tech businesses operating in fast‑moving, innovation‑driven environments. As products scale, customer expectations rise and regulatory pressures intensify, exposures evolve just as rapidly. Our tailored Tech PI, Cyber, D&O and more help ensure your protection grows in step with your platform, offering resilience against operational, legal and security challenges at every stage of your growth.

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Meet our SaaS & Tech experts

Max Willis

Head of SaaS & Tech

Leading Capsule's SaaS & Tech team, Max brings extensive experience supporting SaaS, AI and emerging tech businesses with their insurance needs. With a deep understanding of the unique challenges these companies face, he helps them navigate risk at every stage.

James Ewen

Broking Head of SaaS & Tech

James brings over 12 years of experience across broking and underwriting, with a strong focus on supporting technology businesses. He leads Capsule’s Tech & SaaS broking team, helping clients navigate complex risks and build tailored insurance solutions that scale with their growth.

Dave Mills

Senior SaaS & Tech Broker

Dave is a Senior SaaS and Technology Broker with over a decade of experience across multiple insurance classes. He joined Capsule in August 2023, specialising in tailored insurance solutions for SaaS and AI companies, supporting businesses as they grow and scale.

Sham Choudhury

SaaS & Tech Lead

As Capsule’s Technology Lead, Sham has 10+ years’ insurance experience and is Cert CII qualified. He specialises in high-growth tech scaleups, building insurance programmes that evolve with their growth. With 3+ years working across SaaS, AI and emerging tech, he partners with founders to simplify complex risks and deliver scalable solutions.

More than just insurance...

Helping SaaS & Tech teams tap into the community, knowledge and support they need:

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Events

Get first access to Capsule's Tech focused events and networking

Discover whats on

Partners

A network of partners, who understand the scale-up journey

Explore our partners

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Content

Guides, new resources and blogs on the stuff that matters when you're growing fast

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What is SaaS & Tech insurance?

SaaS & Tech insurance is specialist cover designed for technology companies that build, deliver, or maintain digital products and services. Unlike standard business insurance, it's tailored to the unique risks that come with software and tech operations, from service outages and data breaches to contractual liabilities and errors in code or integrations.

What types of insurance do SaaS and Tech businesses typically need?

While every business is different, most SaaS and Tech companies will have some combination of the following covers. Technology Professional Indemnity protects against claims arising from errors or failures in your software or services, while Cyber Liability covers the costs of data breaches, ransomware attacks and recovery. Public & Products Liability covers third-party injury or property damage claims and Directors & Officers (D&O) insurance protects founders and directors from personal liability. If you have employees, Employers Liability is a legal requirement.

At what stage should a SaaS or Tech business put insurance in place?

Most SaaS and Tech businesses consider insurance earlier than many expect. Cover often becomes relevant as soon as a company has paying customers or enters into contracts where there is liability if a product fails.

Cyber insurance is typically put in place once a business begins handling customer data, which for many SaaS companies is from day one. Directors & Officers cover is also commonly introduced as businesses grow, particularly around the time of external investment.

Many customers, investors and partners require evidence of cover, making it a standard part of operating a SaaS and Tech business.

What is Technology Professional Indemnity and how is it different from standard PI?

Standard Professional Indemnity was designed for service businesses like accountants and solicitors, it covers claims arising from professional advice or services. Technology PI extends this to cover the specific risks of software and platform businesses: bugs, failures, outages and errors in the products you build and sell.

If a client suffers a financial loss because your platform went down, your API returned incorrect data or your software performed in an unexpected way, Technology PI is the policy designed to respond. For any business whose revenue depends on delivering a technical product or service, a tech-specific wording is generally more appropriate than a generic PI policy.

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