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Differentiated Broking Solutions – Tech, Media and Telecom

Unique insurance solutions that provide clients with elevated terms and conditions, access to improved services, coverage enhancements and optimal claims outcomes.

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The Tech, Media and Telecom DBS is designed to have a primary emphasis on clients in the following industries:

  • Electronics, Hardware and Semiconductor
  • Internet, Data Networking and Telecom
  • Media-Print, Media-Broadcast, and Media Advertising
  • Software and Tech Services

It provides coverage for the core Property and Casualty lines of business:

  • Property
  • General Liability
  • Business Auto
  • Workers Compensation
  • Umbrella

Coverage Enhancements

DBS consistently delivers standardized elevated coverage to our clients. Below are just some of the many enriched coverages DBS provides.

  • Extended Notice of Cancellation for all lines
  • Blanket Additional Insured and Blanket Waiver on Casualty lines
  • Unintentional Errors and Omissions and Broadened Notice and Knowledge of Occurrence included on all lines


  • The TMT DBS provides increased property sub-limits including:
    • $1M limit for Contingent Time Element
    • $100K limit for Electronic Vandalism
    • $2.5M- $500k limit for Miscellaneous Unnamed locations
    • $100k Limit for Exhibitions
    • $500k - $1M Off-Premises Service Interruption- Direct Damage including Overhead Transmission Lines
    • $100k Supply Chain Disruption
    • $50k Technology Service Provider
    • $250k Spoilage – Equipment Breakdown per premises
    • $5M limit for Newly Acquired Premises- Real Property

Enhanced coverage endorsements for casualty lines including:

General Liability:

  • Professional Liability Exclusion carve back for Bodily Injury/Property Damage
  • Incidental Medical Malpractice
  • Personal and Advertising Injury includes libel and slander
  • Product recall expenses available upon request (Typical limit $100k)
  • General Aggregate per location/per project
  • Primary Non-Contributory included in General Liability and
  • Incidental Med Mal and Primary NonContributory included


  • Minimum of $250 per Disablement on Towing and Labor
  • Employees as Insureds and Employees Hired Autos
  • Ability to negotiate higher CSL available
  • Composite rating available for accounts with larger fleets
  • No glass deductible
  • Tapes, Records, Discs Coverage

Workers Compensation:

  • Several carriers have the ability to offer Guarantee Cost, Large Deductibles, Retros, Captive programs, Structured deductible programs, Integrated deductible programs, as well as rating based on Employee headcount
  • Alternate Employer Endorsement
  • Stop Gap Coverage
  • Voluntary Compensation


  • Up to $25M Capacity
  • Drop down over exhausted underlying aggregates
  • Excess Employee Benefits Liability coverage
  • Pay on behalf coverage form
  • Foreign and Professional Liability carve back for bodily injury and property damage included in if applicable on underlying
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