The Small Business Insurance Blog

This policy is not designed to cover:

• Industrial control engineers
• Defense contractors
• Medical software companies
• Crypto exchanges
• Gambling platforms
• Physical security system installers
•  Heavy equipment integrators

Not available if you manage or control systems involving:

• Pressure or ventilation systems
• Fire suppression or explosives
• Hazardous materials
• Radiation or pharmaceuticals
• Water supply or waste management
• Energy, fuel, mining, construction
• Environmental systems
• Aircraft, drones, spacecraft
• Watercraft, trains, automobiles, motorcycles
• If you build firmware or embedded software controlling industrial physical equipment.
• If you support:
• Military operations
• National defense
• Homeland security
• Law enforcement

• Weapons
• Anti-terrorism
• Public safety
• Surveillance
• Crime detection
• Emergency response
• Physical security systems
• If more than 25% of your revenue comes from:
  • Federal government work
  • Military or defense operations
• If more than 50% of your revenue comes from:
• Equipment installation
• Maintenance
• Physical service work

Restricted if you work in:

• Ride-sharing platforms
• Equipment sharing platforms
• For-rent-by-owner platforms
• Help-for-hire platforms
• Delivery services
• Banking or financial services
• Cryptocurrency / blockchain / NFTs
• Geospatial mapping / aerial photography
• GPS systems
• Gambling or gaming
• Dating or sexually suggestive content
• Violence-related content
• Alcohol, marijuana, CBD
• Tobacco / nicotine / e-cigarettes
• Flammable or electrical products
• Food-related services