Tech Start Up Insurance

SME Insurance

Tech Start Up Insurance

Whilst being your own boss can be incredibly exciting and rewarding, it is important to know that if and when something goes wrong, it is you who is ultimately responsible.

This is why it is so important to organise the right insurance products for your needs as a tech start up business, with the risks and vulnerabilities for your industry thought about and covered so you can continue doing what you do best.

There are a lot of insurance products out there which are designed for different business needs, industries and specialisms.  With can develop an insurance packages suitable for a wide range of tech start-up businesses such as hardware and software providers,  IT consultants, Web designers and hosting companies, we can help a wide range of businesses within the technology industry. 

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together into one insurance bundle to cover you for all the insurable risks you may encounter each day whilst you go about your work.

What insurance is needed for Tech Start Up Businesses?

Some of the more popular policies which may be of use to your tech start up business include:

  • Public Liability Insurance: This is important to protect your business against personal injury or property damage claims from members of the public.  If you are visiting a client and you spill something on furniture, or if somebody trips over tools or equipment you have left lying about, you could be hit with an expensive compensation claim!
  • Professional Indemnity Insurance: If you belong to an industry professional body or association, it may be a requirement that you hold professional indemnity insurance. This is to protect you, the policyholder, in the event that professional services (advice/ guidance/ design, etc) provided cause a third-party to suffer a financial loss.
  • Employers’ Liability Insurance: Once you have a large enough business to require additional staff, you will most likely take on employees. It is a legal requirement that any business which has employees must have valid employers’ liability insurance. This helps to pay compensation if an employee is injured or becomes ill because of the work they do for you.

There are plenty of other options for insurance which can be applied to your tech start up insurance package which are specifically chosen for your individual needs. From cyber insurance to contractors all risk insurance, we have a great range of products available for you.

Speak to our business insurance team here at Erskine Murray for the most up to date advice and products which could be valuable for your tech start up business.

SME Insurance by Sector


Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.


Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Business Owners Policy Insurance

An enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.