Tech & e‑Commerce Insurance in Orange & Lake County, FL
Protect your software, data, storefronts, and logistics—tailored policies for SaaS, MSPs, online retailers, and digital platforms across Central Florida.
Get Tech & e‑Commerce QuoteYour Local Partner for Tech & Online Retail
Serving Winter Garden, Windermere, Clermont, Minneola, Dr. Phillips, and Orlando with cyber‑first guidance and fast, marketplace‑ready COIs.
At Premier Group Insurance of Central Florida, we help technology and e‑commerce businesses manage risks tied to code quality, uptime, customer data, product liability, and last‑mile logistics. As an independent agency, we compare multiple A‑rated carriers to align limits, endorsements, and budgets—so you can scale confidently.
Who We Serve
If you build software, manage IT, sell online, or power digital experiences—we’ve got you covered.
SaaS & Software Companies
Subscription apps, platforms, and APIs focused on uptime and contracts with SLAs.
MSPs & IT Consultants
Managed services, network/security, and implementation partners supporting local businesses.
E‑commerce Retailers & FBA Sellers
Shopify/WooCommerce brands and marketplace sellers shipping throughout Florida and nationwide.
App & Game Developers
Studios and indie teams with live‑ops, user data, microtransactions, and IP considerations.
Digital Marketing & Media
Agencies and platforms managing campaigns, pixels, and sensitive analytics data.
Electronics, IoT & Distributors
Hardware startups and distributors with product testing, recalls, and supply‑chain exposures.
Recommended Coverages
From code to cart to customer doorstep—these protections form a resilient core for tech and online retail.
Cyber Liability & Data Breach
Protects systems and PII from hacks, ransomware, and fraudulent funds transfers.
- Incident response & breach coaches
- Ransomware & cyber extortion
- Business interruption & data restoration
Technology E&O (Professional Liability)
Helps address allegations of negligence, downtime, or performance failures in your tech services.
- Contractual & SLA considerations
- Prior acts & retro dates
- Media/privacy where applicable
General Liability & Product Liability
Premises, advertising injury, and products/completed operations for online retailers and distributors.
- Additional insured (marketplaces/landlords)
- Primary & non‑contributory options
- Waiver of subrogation when required
Property & Business Owners Policy (BOP)
Bundle GL and property for cost‑efficient protection—contents, stock, and business income.
- Electronics, servers & tenant improvements
- Equipment breakdown & utility services
- Dependent property/contingent BI options
Workers’ Comp
Florida‑required benefits for work‑related injuries and illnesses—essential for growing teams.
- Medical & wage benefits
- Return‑to‑work support
- Meets Florida statutes
Commercial Auto & HNOA
For company vehicles and non‑owned autos used for deliveries, errands, or client visits.
- Hired & non‑owned liability
- Symbol options & driver vetting
- Cargo/inland marine coordination
Local Expertise Across Orange & Lake County
We understand marketplace requirements, PCI considerations, and COI wording for tech & e‑commerce firms in Central Florida.
Winter Garden
Historic downtown studios and DTC brands—optimize BOP and cyber for storefront + online operations.
- Business income for outages
- Stock & equipment coverage
- Quick COIs for landlords
Windermere
Premium brands & agencies—elevate Tech E&O limits and cyber with social‑engineering coverage.
- Strict vendor due diligence
- Crime/fidelity enhancements
- Extended business income
Clermont
Distribution & fulfillment—pair BOP with GL and optional HNOA for last‑mile deliveries.
- Warehouse stock & equipment
- Employee safety & WC
- Certificate issuance fast
Minneola
Startup founders—affordable Tech E&O and cyber with sensible deductibles.
- Essential GL & BOP
- Phishing & ransomware prep
- Simple renewal process
Why Choose Premier Group Insurance?
Local, independent, and responsive—built for founders, ops leaders, and e‑commerce managers.
Tech‑Savvy Guidance
We align coverage with SLAs, MSP agreements, marketplace terms, and vendor contracts—without slowing releases or shipments.
Independent & Unbiased
We shop multiple A‑rated carriers to balance limits, deductibles, cyber controls, and premiums to your risk tolerance.
Dedicated Service
One point of contact for quotes, COIs, renewals, and claims—so you can focus on product, customers, and growth.
Tech & e‑Commerce Insurance FAQs
What insurance do Florida e‑commerce sellers typically need?
Most sellers start with a BOP (bundles GL + property) for product liability and contents/business income, plus Cyber for data and payment risks. Add Workers’ Comp when you hire and HNOA if team members use personal vehicles for business.
How is Technology E&O different from standard Professional Liability?
Does Cyber Liability cover ransomware and social‑engineering fraud?
Many policies can include ransomware/ extortion, incident response, data restoration, and business interruption—plus social‑engineering (funds‑transfer) coverage by endorsement. We compare carriers and negotiate terms to match your risk profile.
Do marketplaces like Amazon or Walmart require specific limits or wording?
Requirements evolve. We verify current terms, arrange additional insured wording when needed, and issue compliant COIs fast so listings stay active and shipments stay on time.
Ready to Protect Your Tech or Online Store?
Partner with Premier Group Insurance of Central Florida for cyber‑smart, marketplace‑ready coverage.
Contact Us Get a Quote