Frequently Asked Questions
Common questions about insurance coverage, policy reviews, and working with Breezy.
What's the difference between Tech E&O and cyber liability insurance?
▼Tech E&O (Errors & Omissions) covers claims alleging financial loss arising from errors or failures in your professional services.
Cyber liability covers cyber incidents like ransomware and data breaches, including incident response costs (forensics, legal, notification) and liability tied to compromised data.
Most MSPs need both. The practical issue is that policies often draw the boundary differently, which can create gray areas for services like incident response support, security assessments, or managed security work.
Do MSPs need different insurance than other tech companies?
▼Usually, yes. Standard insurance policies often define covered services too narrowly for MSP and security work, such as penetration testing, vulnerability assessments, monitoring, and incident response support.
MSPs also have a distinct third-party exposure because you operate inside client environments. One incident can trigger multiple client claims.
If you want a quick overview, see the Coverage Gaps Framework.
What is the Risk Intelligence Report, and how is it different from a quote?
▼A quote tells you the premium and a high-level description of coverage. It rarely tells you where the real gaps are or how your policies perform against contract requirements and realistic claims.
The Risk Intelligence Report is a plain-English analysis that flags where coverage will respond, be disputed, or fail, and what to fix first.
- Coverage gaps tied to the services you deliver
- Contract compliance issues (limits, deductibles, wording, notice requirements)
- Scenario mapping so you can see how claims are likely to be evaluated
- Fix options and cost guidance
How long does it take to get a Risk Intelligence Report?
▼Typically 48 hours once I have your documents.
You send your current policies and up to three client agreements (MSAs/SOWs). I review coverage, contract requirements, and a few realistic claim scenarios, then share findings and next steps.
Do I need to switch brokers, and is there a fee?
▼No. Many firms use the Risk Intelligence Report to work more effectively with their current broker. The value is clarity: what your policies say, where the gaps are, and what to fix.
If you decide to place coverage with Breezy after the report, the fee is credited.
Do you only work with MSPs?
▼Yes. I focus on MSPs and MSSPs because policy language for these services is nuanced, and small wording differences can determine whether a claim is paid or denied.
I work best with MSPs that are in growth mode: adding security services, taking on enterprise clients, acquiring other firms, or specializing in regulated industries. If your business has changed but your insurance hasn't kept up, that's where I come in.
If helpful, start with the Coverage Gaps guide for the full analysis behind the patterns.
What happens after I receive the Risk Intelligence Report?
▼You choose how to use it:
- Use it with your current broker to close the gaps and align coverage with contract requirements.
- Ask Breezy to help implement the fixes (quoting, endorsements, and placement if needed).
The goal is simple: reduce surprises during enterprise onboarding and when a claim is evaluated.
Didn't see your question here?
Email contact@breezyins.com and I will get back to you.