TECHNOLOGY INSURANCE · NZ SPECIALISTS
Cyber & technology insurance for NZ businesses
Cover that keeps pace with your business. From SaaS providers and IT consultants to understanding your liability around Ai. We are a specialist broker with over 26 years’ experience and access to the right markets.
- No obligation
- Fast response
- Practical solutions
Ready to chat?
Tell us about your situation. We will review your details and be in touch, typically within one business day. Get expert tech insurance advice now.
Tell us about your situation. We will review your details and be in touch, typically within one business day. Get expert tech insurance advice now.
Who we cover
Technology & IT Businesses
Technology businesses move fast, but cyber threats, contractual liability, and data exposure move just as quickly. Whether you’re a SaaS provider, IT consultant, developer, or digital agency, the right insurance helps protect your revenue, reputation, and clients if something goes wrong.
Technology insurance is designed to respond to cyber incidents, professional errors, system failures, and third-party claims, so you can focus on building and innovating with confidence.
Mmanaged service providers (MSPs)
Software developers and SaaS companies
Cloud hosting and data service providers
Web design and development agencies
IT consultants
Cybersecurity firms
App developers
Digital product companies
Insurance
Why consider cyber insurance?
If you run a technology business, you’re often trusted with sensitive data, critical systems, and advice that other businesses rely on to operate. When something goes wrong, whether it’s a cyber attack, system failure, or an unexpected error in your work, the financial impact can be significant.
A data breach or ransomware incident can bring operations to a halt and damage client trust overnight. A coding mistake, failed integration, or piece of incorrect advice can lead to a claim for financial loss. Even temporary downtime can trigger contractual disputes if your clients lose revenue as a result.
Technology insurance is designed to help protect your business against these real-world risks, covering response costs, legal defence, liability exposure, and income loss, so you can focus on innovating and growing with confidence.
AI & emerging technology
Using AI? You need to understand your liability exposure
AI isn’t a separate type of insurance but it does create new liability risks that standard policies may not cover. If your product uses AI to make recommendations, automate decisions, or process data, your professional indemnity and cyber cover need to reflect that. We help you understand the gaps before a claim makes them obvious.
- AI-generated advice that causes client loss
- Data used to train models — privacy and breach exposure
- Contractual liability when AI outputs are wrong
- Third-party claims from automated decision-making
Get expert advice
Some risks don’t fit neatly into standard insurance. Tell us a bit about your business and what you need covered, we’ll help you work through it and find the right solution.
Prefer to talk now?
021 333 712
We’re happy to have a quick chat about your situation, no obligation.
Email us:
ash@sib.co.nz
We typically reply within one business day.
Client Testimonials
Success stories
What New Zealand business owners say about working with us.
Business Owner
“I contacted Ash to make sure our current business insurance was protecting our business and couldn’t be happier. Rather than simply email me a quote, we had a call where Ash explained why our current policy wasn’t aligned with our services and did quite a bit of research on what we needed to protect my business in terms of online data and cyber security. Being a virtual business it was a shock to hear we’d been paying for physical risk protection all these years and I’m so thankful we now have Sentinel looking after us.
Fantastic advice, no pressure, 3 quotes and friendly, professional and approachable support.”
Managing Director
“We were introduced to Ash Greer at Sentinel Insurance when we were specifically looking for a broker with strong expertise in construction and liability, and from the outset, it was clear we were in capable hands.
After meeting with Ash, we appointed him as our broker, and he immediately undertook a comprehensive review of both our business operations and our existing insurance programme. Ash took the time to truly understand how our business operates and where our risks lie, and then rebuilt our insurance structure accordingly.
The results have been outstanding. In the first year, Ash made significant improvements, ensuring all of our assets were appropriately covered. In the second year, he went even further, re-marketing our programme again to deliver further improvements.
Ash’s attention to detail, deep understanding of both our business and the insurance market, and proactive approach have delivered exceptional outcomes for us. We now have complete confidence that our insurance programme genuinely supports and protects our business.”
Why Choose Us
26 Years Experience
Personal advice
We take the time to understand how your business operates and what risks actually matter. Then we'll recommend cover that’s practical, not overcomplicated.
Industry know-how
We work with businesses across a wide range of industries and understand the common risks they face. That means better recommendations and access to quality cover at competitive rates.
Support when it counts
From getting set up properly to handling changes or claims, we're here to help you stay protected. You’ll have clear guidance at every step.
Solutions for hard-to-place risks
If your business is high-risk or difficult to insure, we can help find the right cover through specialist markets.
Faq
Answers to common technology insurance questions
Here are some of the most common questions business owners ask when arranging technology cover. Not sure where to start? Contact us today.
No, it’s not legally mandatory. However, many contracts now require it, especially when handling client data or working with government and enterprise clients.
There’s no standard “AI insurance” policy available from mainstream NZ insurers but that doesn’t mean you’re automatically covered. The real risk is that your existing professional indemnity and cyber policies may have gaps or exclusions that weren’t obvious when you bought them, but become very obvious if a client makes a claim related to an AI output or decision your system made.
For most NZ tech businesses, the right approach is to make sure your professional indemnity, cyber, and public liability cover is reviewed with your actual AI use in mind. For businesses building AI products at scale or in high-stakes sectors, specialist cover through international markets but it requires a broker who knows where to find it.
We can tell you quickly whether your current cover has gaps.
Costs vary widely. For small to mid-sized NZ businesses, expenses can include forensic IT support, legal advice, client notification, lost revenue, and reputational damage — often reaching tens or hundreds of thousands of dollars.
No. Cybersecurity refers to the technical measures you take to prevent attacks. Cyber insurance helps cover financial loss if those measures fail.
Many tech companies also require professional indemnity, public liability, management liability, and business interruption cover depending on contracts and risk exposure.
Types of Business Insurance
Extra cover to consider
Depending on how your business operates, you may need additional protection beyond standard policies. We can help you identify optional extensions and specialist cover that strengthen your protection and reduce potential gaps.
Material Damage
protects the physical assets your operations rely on — from servers and data storage systems to laptops, networking equipment, and critical hardware. Whether caused by fire, theft, accidental damage, or power events, it ensures you can repair or replace equipment quickly and minimise disruption.
Public Liability
If your business interacts with clients, suppliers, or the public, accidents can happen. Public liability insurance helps protect you against claims for third-party injury or property damage, including legal defence costs and compensation expenses.
Management Liability
If you run a professional services business, you carry responsibilities beyond client work. Management liability insurance helps protect you and your directors against claims relating to employment disputes, regulatory investigations, statutory breaches, and alleged mismanagement.