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Differentiated Broking Solutions – Tech & Telecom (T&T) DBS

Competitive insurance solutions delivering best-in-class terms, identification of emerging risks and timely marketplace adjustments.

WTW's Differentiated Broking Solutions (DBS) brings together our deep industry and technical expertise as well as our extensive market relationships with top property & casualty insurers to deliver industry-tailored insurance solutions.

The T&T Industry Division DBS is designed to create a sustainable, competitive solution in order to provide best-in-class terms, identify emerging risks and adjust our offerings to coincide with the ever changing marketplace.


The Tech & Telecom Industry Division (T&T) 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

DBS provides coverage for the core property & casualty lines of business:

  • Property
  • General liability
  • Business auto
  • Workers' compensation
  • Umbrella


  • Comprehensive pre-negotiated enhanced coverages
  • Options to place coverage on a standalone basis, or in an expanded package/suite where appropriate
  • Firm minimum service requirements
  • Consistent, reliable program coverage

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 T&T DBS provides increased property sub-limits including:

  • $1M limit for contingent time element
  • $100K limit for electronic vandalism
  • $500K – $2.5M limit for miscellaneous unnamed locations
  • $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

Enhanced coverage endorsements for casualty lines including:

General Liability:

  • Professional liability exclusion carve back for bodily injury/property damage
  • 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


  • Minimum of $250 per disablement on towing and labor
  • Employees as insured and employees hired autos
  • Ability to negotiate higher CSL available
  • Composite rating available for accounts with larger fleets

Workers' Compensation:

  • Access to various deductible programs, as well as employee headcount rating structures
  • 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 if applicable on underlying
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