What you can't see CAN hurt you.

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A successful tech company can evolve and scale fast. As your technology, IP and team grow, your approach to risk and talent management needs to adapt. TechLife®, powered by Cowan Insurance Group, is a risk management partner that truly understands tech growth lifecycles. We have the experience, knowledge and creativity to help turn your sweat into profit, not tears.

Don't get stuck in a plan that won’t keep up with your business.

We understand that your business is unique. Unlike traditional insurance policies, TechLife® offers tiered, customizable and scalable solutions designed specifically for startups and rapid-growth small businesses.

Choose below from the package that best describes what stage your business is at.

Formation & Incubation

  • Your initial concept is born
  • You’ve formed your business
  • You may be in beta or prototyping
  • 1 - 10 employees
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While still only in the early stages, you already need protection:

  • To attract employees to help you grow
  • From liability associated with your product or service
  • To increase the opportunity for outside investment
  • To meet the minimum contract requirement for technology incubators

Recommended Package

Startup

  • Provides Commercial General Liability coverage
  • Additional options include:
    • Property & Contents Coverage
    • Errors & Omissions
    • Cyber Liability
    • Employee Benefits
Coverage Definitions Get Coverage

MVP & Market Entry

  • You have launched your product or are about to
  • You are now customer-focused
  • You are beginning to scale operations
  • 1-20 employees
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Now that you have launched, your needs have changed:

  • You have real customers depending on your product or service
  • You need to retain and attract investment and talent in order to grow
  • Your liability may now extend to a board of directors
  • You may have leased your own space that needs to be insured

Recommended Package

Powering Up

  • Provides Commercial General Liability coverage
  • Additional options include:
    • Property & Contents Coverage
    • Errors & Omissions
    • Cyber Liability
    • Directors & Officers Insurance
    • Key Person Insurance
    • Employee Benefits
Coverage Definitions Get Coverage

Growth & Liquidity

  • You are focused on growth and profitability
  • You have stable revenue flow
  • Your risk level continues to increase as you grow
  • 20+ employees
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As you continue to grow, so does your risk profile. You need to consider protection for:

  • Your Board of Directors and executives
  • Your employees
  • Your reputation
  • Your leased spaces
  • Failure in complying with customer contracts

Recommended Package

Expanding

  • Provides Commercial General Liability coverage
  • Additional options include:
    • Property & Contents Coverage
    • Errors & Omissions
    • Cyber Liability
    • Directors & Officers Insurance
    • Key Person Insurance
    • Employment Benefits
    • Buy Sell
    • Employee Benefits and Pensions packages
Coverage Definitions Get Coverage

More than just insurance.

We recognize there’s so much more you need as you grow. That’s why we complement specialized risk management products for growing tech companies with group benefits, pension, and wealth management strategies to ensure your company can reward, attract and retain top talent in one of the most competitive fields. As your business expands operations and sales outside of Canada, we can also help manage your global risk and employees.

We're your partner in growth.

With direct involvement in the technology community with decades of experience in helping small businesses as they grow, we understand your environment and the unique risks you face. We’re here to help you throughout your entire lifecycle by forecasting risk and talent management needs now and in the years ahead.

Why TechLife® ?

We get it. When you're bootstrapping you need basic insurance and risk management advice. Managing your risk has to make financial sense.

From comprehensive Business Insurance tailored to the unique needs of your growing tech company, to Group Benefits, Credit Risk, Personal Insurance and Pensions, TechLife® provides an end-to-end solution to protect what you’ve worked hard to build. As the only partner you’ll need, let us worry about all the risks, you focus on growth.

With unmatched technology industry expertise, we are a reliable partner ready to help your business and its employees at every step of the way.

Our efficient and transparent process will get you set up quickly, so you can get back to focusing on the growth of your business.

A long-term, trusted partner to technology companies across Canada.

Vidyard

Vidyard

Arcane

Arcane

Axonify

Axonify

Ignis Innovation Inc.

Ignis Innovation Inc.

Innovation Guelph

Innovation Guelph

My IT Guy Corp.

My IT Guy Corp.

Suncayr

Suncayr

Testimonials

"We’ve been a client of Cowan Insurance Group for over 5 years. As our business continues to grow, we often need varying levels and types of insurance for contracts with clients. Cowan is able to quickly and effectively provide the coverage we need, earning its place as a trusted advisor to our business for risk management, cyber security, insurance and employee benefits."

Matt Hodgson

CFO, Vidyard

"We’ve had challenges in the past getting the responsiveness and industry insights from insurance providers to make the right decisions for our business. Cowan stepped up to the plate for us well before any policies were initiated. They took the time to get to know our business and truly understand our needs through a full audit of our existing coverage. We couldn’t be happier with the team, the service and the solutions at Cowan."

David Bunce

VP Finance, Arcane

"The experience and expertise of the team at Cowan enables us to effectively navigate the changing needs of our business. They consistently provide the right solution to protect our business from potential risks and liabilities as we grow."

Dave Pooley

CPA, CA – CFO, Axonify

"As a small enterprise in the startup world, it is important to find the right combination of coverage to cost. Cowan’s experience in the industry and knowledge of the needs of startup businesses has proven successful. We’ve seen dramatic improvements in our coverage and costs, which allows us to focus on growing our enterprise while effectively managing business risks."

Peter Monsberger

CEO, Ignis Innovation Inc.

"We’re a non-profit organization and our insurance requirements can vary from a traditional business. Cowan took the time to review our business and was able to identify gaps in our coverage that we weren’t thinking about. From there, our business relationship quickly turned into a partnership as we grew together."

Kristel Manes

Director of Operations, Innovation Guelph

"It was really important for us to speak to someone who was able to speak our language. We’re in the tech industry, not insurance, so speaking to someone who understood our business and the varying needs of businesses in the tech space was key. Having Cowan step in and educate our team about what we needed was essential. I will continue to refer and recommend Cowan to those looking for insurance and risk management coverage."

Andrew Martinko

Co-Founder, Suncayr

"Cowan was able to offer me a better rate for my home and auto policies, as well as my business insurance. They provided me with effective risk management recommendations as well as options for my expanding business, allowing me to keep my insurance coverage in one location."

Adam Smith

CEO & IT Solutions Expert, My IT Guy Corp.

Complete the form and one of our specialists will contact you to discuss your unique needs.

During the call, we'll ask you for some standard information about your business, including your existing insurance coverage. This information helps us understand what stage of growth your company is in and identify any specific risks you may face now and going forward.