The Technology Risk Underwriting Group (techrug) For almost two decades now, techrug has been working to keep small and medium size IT companies protected without breaking the bank. We have seen first-hand the staggering insurance premiums some IT companies have paid in the past, only to find out their policy did not cover what they thought. Because this coverage is not offered under a general liability policy, Cyber Liability Errors & Omissions Insurance (Cyber E&O) is vital to companies looking for protection from incurring the full cost of defending themselves and the damages that may be awarded in a lawsuit. This is why the insurance experts at techrug have created a one-of-a-kind E&O policy form called TechMal. Our TechMal (Technology Malpractice) Cyber E&O policy is now in place with 1800+ IT Service Providers around the US. This is a one-of-a kind, 1st & 3rd party policy only available through techrug via our Coverholder status granted to us by our Lloyd’s of London syndicate. techrug program features for our clients include: CyberBreach Program - Discounted pricing on Cyber Liability Insurance to an MSP’s client(s) as long as that client(s) remains an active client of the MSP. Health + Employee Benefits - Customizable PPO, HSA, Level Funded & Self-Funded premium plans. techrug Individualized Health Plan. TeleHealth + Managed Rx. Dental/Vision. Term + Key Person Life Insurance. Short + Long Term Disability. 401k Retirement Program - No touch integrations with 450+ payroll companies making it easier for employees to participate. No setup fees or transaction fees that other providers may charge. Significant tax credits available to our MSP’s with under 100 employees starting up a new 401k plan. Risk Management Review Service - The techrug Risk Management team is focused on helping our clients minimize the likelihood of losses resulting from specific areas of risk and potential business issues. On top of Cyber E&O, the techrug team can help secure other coverages which includes but is not limited to: BOP (Business Owners Policy) Auto Insurance Worker's Compensation Insurance Umbrella Insurance Directors & Officers Insurance Employment Practices Liability Fiduciary Liability 1st/3rd Party Crime Insurance