ARIA · loading
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 Virginia rules: Southeast 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 Virginia →
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 businesses with more than two employees, one of the lower thresholds in the Southeast. ARIA reads your operation against both the industry profile and Virginia specifics before any quote is requested.
Yes, for businesses with more than two employees, counting part-time workers. Contractors should note that subcontractor employees can count toward the threshold in practice, and uninsured subs create direct exposure.
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 Virginia: contract flow-down and compliance. Federal prime and subcontract agreements impose insurance, indemnity, and cyber requirements that override standard-form assumptions. CMMC requirements turn security posture into contract eligibility. Coverage must be built to the contract, not the template.
ARIA pre-loads the saas & technology exposure profile with Virginia 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
ARIA · live across every page