General Liability Insurance: Protects your technology company against legal actions involving bodily injury or property damage.

Commercial Property Insurance: This policy covers your company's premises and essential equipment, such as computer hardware and office furniture.

Business Income Insurance: This policy offers financial assistance to compensate for lost revenue if covered property damage, like a fire, forces the suspension of your company's operations.

Other essential coverages include:

Errors and Omissions Insurance: Also known as professional liability insurance, this coverage defends your IT company against claims of negligence or mistakes, even if the oversight wasn't your fault.

Cyber Liability Insurance: Covers legal defense costs, credit monitoring, and recovery measures in case of a data breach or cyberattack affecting your business or clients.

Workers' Compensation Insurance: Required in almost all states, this insurance covers medical expenses for illnesses or injuries sustained by employees at work.  

Fidelity Bonds: Protects your tech company from financial losses caused by employee theft or document forgery, often required by client contracts.