What’s Driving D&O, Cyber, and E&O Premiums for Mid-Market Tech in California for 2026

California’s innovation economy runs on risk, from AI breakthroughs to new data models and rapid scaling cycles. But as companies grow, so do the exposures facing their leadership teams and balance sheets. This report examines what’s driving premiums and underwriting decisions across Directors & Officers (D&O), Technology Errors & Omissions (E&O), Cyber, and Employment Practices Liability (EPLI) lines. Drawing on data from various sources across the insurance industry, this report highlights where coverage is tightening, where pricing is stabilizing, and where silent gaps are most likely to appear before renewal.

Who This Report is For

This report is designed for founders, CFOs, and operations leaders at California-based technology companies navigating renewal season. Whether you’re preparing for your first D&O policy post–Series A, evaluating Cyber or E&O limits after a funding round, or benchmarking executive risk costs against peers, this guide helps you identify where your coverage stands, and where it may quietly fall short.