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Technology companies sit at the intersection of every modern risk class: cyber, professional liability, intellectual property, executive exposure, and employment. ARIA was trained on this profile first because it’s the profile where the most expensive gaps hide.
Below is that profile under Michigan rules: Midwest perils, state statutes, and the market structure built around them.
The exposures that hit this class hardest, drawn from analysis of mid-market accounts. The structural ones cost more than the premium-driven ones.
Full industry deep-dive: Commercial insurance for SaaS & Technology →
The perils and statutes that change how saas & technology coverage must be structured here, before any quote means anything.
Full state guide: Business and commercial insurance in Michigan →
The lines ARIA recommends for a well-structured program in this industry, in the order they typically attach.
The core stack for saas & technology typically starts with Cyber + Tech E&O combined, D&O w/ Side-A DIC, Employment Practices, Commercial General Liability, structured in that order. Workers' compensation is required for most employers. The threshold rules count employees in ways that capture nearly all real businesses, so assume it applies. ARIA reads your operation against both the industry profile and Michigan specifics before any quote is requested.
For nearly all employers, yes. The statutory thresholds are technical but capture almost any business with regular employees. Manufacturing classes reward disciplined classification and experience-mod management.
For the industry itself: ransomware + dependent business interruption. A ransomware attack on your own systems is one event. An outage at your auth provider, CRM, or hosting that takes you offline is another. And on most off-the-shelf cyber forms, the second one is dramatically under-covered. Layered on top in Michigan: supplier contractual cascade. OEM purchase orders flow indemnity, recall, and insurance requirements down through every tier. A tier-2 supplier's coverage gets tested against terms written for tier-1 balance sheets, and recall expense is the line that breaks first.
ARIA pre-loads the saas & technology exposure profile with Michigan perils and statutes layered on. Top risks, the stack that answers them, and the carriers in appetite for your class here.
Nothing binds until a licensed Risk Strategist signs the placement
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