Technology firm

In practiceYour software fails a client and they claim a financial loss, and E&O defends and pays the claim.

Not coveredPhysical injury or property damage is general liability, not E&O.

In practiceA breach exposes client data through your systems, and cyber liability funds the response and defence.

In practiceA visitor to your office is hurt, and general liability responds.

In practiceA fire or theft damages your servers and hardware, and property and equipment coverage pays to replace them.

Not coveredData itself is a cyber matter, hardware is property, they respond differently.