Smart OptionsCoverage built for the way Arizona tech companies actually work.
Cyber attacks, a failed deployment, a client lawsuit over lost data — the risks your software carries aren't covered by an off-the-shelf business policy. We build protection around them.
AZ businesses
carriers, not one
Peoria, Arizona
The exposures a generic policy leaves wide open
From pre-seed startups in Tempe to established software firms in Chandler and Scottsdale, technology companies share a specific set of risks. Here's how we cover them.
Cyber Liability
Ransomware, phishing, and breach response — including notification costs, forensics, legal defense, and lost income when systems go down.
first + third partyTechnology E&O
Professional liability for when your software fails, a project slips, or a client claims your service caused them a financial loss.
errors & omissionsGeneral Liability & BOP
Third-party bodily injury and property damage, bundled with property coverage for your office, laptops, and equipment.
business owner's policyData Breach Response
A clear plan and funding for the moment customer data is exposed — regulatory fines, credit monitoring, and PR support.
incident readyMedia & IP Liability
Protection against claims of copyright infringement, trademark issues, or defamation tied to your platform, content, or code.
add-onWorkers' Compensation
Required once you hire in Arizona — covering medical costs and lost wages if an employee is injured, remote or in-office.
team coverageIf your product is code, data, or a screen — this is for you
We write technology company insurance for a wide range of Arizona businesses. A few of the most common:
Product companies, dev shops, and app developers shipping to customers.
MSPs, help desks, and IT consultants managing client infrastructure.
Early-stage teams that need coverage to close deals and sign contracts.
Analytics, cybersecurity, and AI firms handling sensitive information.
Design, marketing tech, and e-commerce builders delivering to clients.
Device makers and integrators blending software with physical products.
Regulated platforms where a breach carries compliance consequences.
Infrastructure and connectivity providers keeping clients online.
Local coverage, from the Valley to Tucson and Flagstaff
Smart Options Insurance Agency is headquartered in Peoria and serves technology companies statewide. Wherever your team is building, we know the market and the carriers.
// Licensed in Arizona · quotes typically returned within one business day
Phoenix
From downtown startups to enterprise IT teams, we cover technology companies across the Phoenix metro with cyber and tech E&O plans.
Tempe
Home to ASU and a dense startup scene, Tempe software and SaaS founders rely on us for coverage that keeps deals moving.
Chandler
Chandler's semiconductor and software corridor needs serious data and professional liability protection — we build it.
Scottsdale
Digital agencies, fintech, and consultancies in Scottsdale get tailored technology insurance and hands-on service.
Mesa
Growing Mesa tech and MSP businesses get right-sized cyber, GL, and workers' comp coverage in one place.
Gilbert
Gilbert's product and web development companies protect their contracts and client data with our tech policies.
Tucson
Southern Arizona's optics, aerospace-tech, and software firms in Tucson count on us for specialized coverage.
Glendale & Peoria
Our home turf — West Valley technology companies get local, in-person advice from our Peoria office.
We also write technology company insurance for businesses in Gilbert, Surprise, Goodyear, Avondale, Buckeye, Flagstaff, Yuma, Prescott, Casa Grande, and communities throughout Maricopa, Pima, and Pinal counties. If your Arizona tech company isn't listed here, it's still covered — just ask.
An independent agency that works for you — not a carrier
We shop the market
We compare top-rated carriers to match your risk with the right coverage at the best price — no single-company bias.
Two decades in
For 20+ years we've protected families and businesses across Arizona, so we know what tech policies actually need to include.
Plain-English advice
We explain your options without jargon or pressure, so you understand exactly what you're buying and why.
Room to grow
Licensed in Arizona, California, Indiana, Michigan, Oregon, and Wisconsin — coverage that scales as you expand.
From request to covered in three steps
Tell us about your company
Share what you build, your team size, and the contracts you're signing. Two minutes on the form below.
We build your options
We shop top-rated carriers and put together a clear side-by-side of coverage and price — tailored to your tech risk.
You choose and bind
Pick the plan that fits, we handle the paperwork, and you get certificates ready to send to your clients.
Get technology insurance built around your business
Tell us a little about your Arizona tech company and we'll return tailored options — usually within one business day.
- Independent quotes from top-rated carriers
- Certificates of insurance ready for your clients
- A local Arizona agent, not a call-center bot
// We reply within one business day. Your info is never sold.
Technology company insurance in Arizona, explained
What is technology company insurance?
It's a package of coverages designed for businesses whose product or service is technology-based — software, IT, data, or digital services. It typically combines cyber liability, technology errors & omissions (E&O), general liability, and property coverage into protection that fits how tech companies actually operate.
Do Arizona startups and small tech firms really need it?
Usually, yes. Most client and vendor contracts now require proof of cyber and E&O coverage before they'll sign. Even a small breach or a disputed deliverable can cost far more than a policy. We right-size coverage so early-stage Arizona companies aren't overpaying.
How much does it cost?
Premiums depend on your revenue, team size, the data you handle, and the coverage limits your contracts require. Because we're independent, we compare multiple top-rated carriers to find the best value for your specific risk. The quote is free.
What's the difference between cyber liability and tech E&O?
Cyber liability responds to breaches, hacks, and data loss — including notification and recovery costs. Technology E&O responds when your product or service allegedly fails or causes a client a financial loss. Most tech companies need both, and we often bundle them.
Which Arizona cities do you serve?
We serve technology companies across Arizona, including Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, Tempe, Peoria, Surprise, Goodyear, and Flagstaff. Our office is in Peoria, and we're licensed statewide.
How fast can I get covered?
Submit the form and we typically return tailored options within one business day. Once you choose a plan, we can often bind coverage and issue certificates of insurance the same day so you can keep deals moving.