Welcome to r/insuraai, ask real questions about cyber, E&O, and D&O coverage

Hey, I'm John, a licensed P&C producer and I work at insura.ai, so full disclosure, I'm biased. This sub is for small business owners (law firms, financial advisors, IT/MSPs, SaaS companies, healthcare practices) to ask real questions about commercial insurance without wading through a sales pitch first.

Things this place is good for:

- sanity checking a quote you got (is $3k for cyber high or low for a 10-person law firm)

- understanding the difference between cyber and tech E&O before you buy the wrong one

- what carriers actually pay out on claims, not just what the brochure says

- bundle questions, most of the priority verticals here convert best on cyber plus E&O or cyber plus D&O together, not standalone

Rules are simple: be civil, no spam. I'll answer what I can and tell you honestly when something's outside my lane, like legal advice or an active claim dispute.

Ask away.