Tech Errors & Omissions Insurance in Kenya

It is PI for technology firms: it covers claims that your software, system or IT service failed, was late or did not do what was promised, causing a client financial loss. At least one Kenyan insurer's tech wording covers failure of technology products as standard.

Not reliably. PI responds to negligence claims from clients; a data breach also brings notification costs, regulator investigations under the Data Protection Act 2019 and data restoration, which are covered by a separate cyber policy. Many tech firms need both.

At least any legal minimum for your profession, then enough to meet the largest claim you could realistically face: think of your biggest contract or fee, what a client could lose through your error, and any limit a client or tender requires. Remember that defence costs usually come out of the same limit.

Criminal, dishonest or deliberate acts; work outside your declared profession or licence; claims you knew about before the policy started; fines and penalties; contractual guarantees beyond your normal duty of care; your insolvency; and, on some wordings, claims brought in the USA or Canada. Injury to your own staff and damage to property belong under other policies (WIBA/employer's liability and public liability).