Vegreville · Technology Companies
Technology Insurance in Vegreville.
Coverage built for Vegreville tech companies, from the risks of the work to the exposures Vegreville businesses face.
Licensed Alberta brokerage · IBAA member · most tech companies bound in a few business days
Get your Vegreville technology insurance quote
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A software or IT business gets sued over two things, the work it delivers and the data it holds. Technology errors and omissions covers the first, for when a client says your software failed, your project missed what the contract promised, or your advice cost them money. Cyber and privacy coverage picks up the second, whether that is a breach, a ransomware event, or a payment that went to a criminal instead of a supplier. Around those sit general liability for ordinary injury and property-damage claims, and equipment coverage for the laptops, servers and gear your team works on. Velocity builds these programs across Alberta for software and SaaS companies, IT service providers and managed service providers, app and hardware developers, and technology consultants.
Technology work in Vegreville often means a local developer or IT firm building websites, booking systems and point-of-sale setups for businesses on 50 Street, or keeping the networks of offices and farm operations around the County of Minburn running. When a system you set up goes down or a client’s data leaks, the claim is for their lost income, and a general liability policy will not pay it. Technology errors and omissions and cyber coverage are the two to carry.
Most technology programs start with technology errors and omissions for the work you deliver and cyber and privacy coverage for the data you hold. General liability and equipment coverage sit underneath, for third-party injury and for the hardware your team depends on.
Risks Vegreville tech companies face.
These exposures come with the work, and in Vegreville the local risks sit on top. A generic small-business policy rarely covers all of them.
Software that fails and costs a client money
A release corrupts a customer database. An integration takes a client’s operations down for a day, or a bug in a billing routine overcharges thousands of users. In each case what your client has lost is money rather than anything physical. That is precisely the loss a general-liability policy is written to exclude, so technology errors and omissions is the policy that has to pay.
A project that misses what the contract promised
Late delivery, a build that does not meet spec, an uptime commitment you fall short of, a scope dispute that arrives as a demand letter. You do not have to be negligent to be sued over any of them, and the cost of defending the allegation lands long before anyone decides who was right.
A breach of the client data you hold
Customer records, credentials and payment data sit in systems you are responsible for. Alberta’s Personal Information Protection Act sets the test. Where a reasonable person would see a real risk of significant harm, the breach has to be reported to the Office of the Information and Privacy Commissioner without unreasonable delay, and the Commissioner can order you to notify the individuals. If your users live outside Alberta, the federal PIPEDA rules and Quebec’s Law 25 can apply on top of that.
Ransomware and extortion
Attackers no longer stop at encrypting your systems. They copy the data out first and threaten to publish it, so restoring from backup does not end the problem. In its 2026 claims report the cyber insurer Coalition found initial ransom demands rose 47 percent year over year in 2025, and dual extortion accounted for about 70 percent of ransomware claims. When your product is your systems, the downtime is the loss.
A payment that goes to a criminal
Business email compromise is the most common cyber claim there is. Someone gets into a mailbox, watches the invoice traffic, and sends a change of payment details that looks exactly right. Coalition’s claims data puts business email compromise and funds transfer fraud at the majority of cyber claims, ahead of ransomware by count, and the money is usually gone the same day.
An outage at a provider you depend on
Your uptime is only as good as your cloud, your identity provider, and the vendors underneath them. The Amazon Web Services disruption of October 20, 2025 and the defective CrowdStrike update of July 19, 2024 both took down companies that had done nothing wrong. Cover for an outage at a supplier is separate from cover for your own, and it usually starts only after a waiting period.
Claims over code, content, and intellectual property
A library used the wrong way, a competitor’s copy in your marketing, a product name that turns out to be someone else’s trademark. Software companies produce a large volume of code and content, and an infringement allegation over any of it falls to media liability rather than to your general-liability policy.
Laptops, servers, and gear that live outside an office
A distributed team means company hardware sits in homes, in vehicles and in coworking space, and dev machines, test devices and on-premise servers are worth real money. A theft from a car or a flooded home office becomes a property claim your business absorbs, unless the equipment is covered where it really lives.
Deep cold and burst pipes
Environment Canada recorded -44.6°C in the Vegreville area on 13 January 2024, a record for the date in a station history going back to 1918. Cold like that splits pipes in shops, halls and rental units. A building left empty over a long weekend can take on a lot of water before anyone walks in. Burst-pipe damage is generally covered. Most policies set conditions on heating a vacant or unoccupied building, and those are worth reading before winter.
Fire in shops and older buildings
In September 2022 a truck and trailer repair shop in Vegreville caught fire and was fully engulfed. Seventeen firefighters responded, an employee was burned, and crews used an excavator to pull the walls down. Nearby businesses on 50 Avenue, including a family clinic and a drugstore, closed while the fire was fought. Property coverage pays to rebuild. Business interruption pays the income lost in the months between.
The Protection
Coverages we recommend.
Technology Errors & Omissions
The core coverage for a technology business. It responds when a client says your software, service or advice failed them, whether that is an outage, a defect, a missed specification or a project that went wrong. It pays the legal defence as well as the damages, and your enterprise clients name this policy, by this name, in their contracts.
Cyber & Privacy Liability
This is what pays for a breach of the data you hold. It covers the forensics, the legal advice, the notifications your privacy obligations require, ransomware and extortion response, restoring lost data, and the income you lose while you are down. It also covers the claims and regulatory action that follow a breach, including payment-card penalties where you handle card data.
Cyber Crime & Funds Transfer Fraud
For the day your business is tricked into sending money, whether by a spoofed supplier, a compromised mailbox or an altered invoice. It is usually a capped sublimit well below your full policy limit, and it carries conditions such as verifying banking changes by callback. Worth knowing what yours is before you need it.
Media Liability
Claims arising from what you publish and distribute, meaning copyright or trademark infringement in your product, your documentation or your marketing, and defamation. Software companies produce a lot of content and code, and this is where an intellectual-property allegation over that material lands.
Commercial General Liability
Injury or property damage your business causes a third party, such as the visitor hurt in your office or the equipment your consultant damages on a client site. It leaves out the professional side of your work, so it sits alongside technology errors and omissions instead of replacing it. It is also the coverage most client contracts and office leases list first.
Equipment & Business Property
Fire, theft and water damage to the laptops, servers, monitors, test devices and office contents your team depends on, with cover extending to equipment away from a fixed office so a distributed team is not carrying that risk personally.
Coverages shown are general examples, not a description of any specific policy. Policy coverages widely vary and should be confirmed with your broker.
How Pricing Works
What drives your premium
- What you build and who uses itA marketing site builder and a platform that runs payroll, moves money or supports clinical care carry very different consequences when they fail. What your product does for your customers is the biggest driver of your errors-and-omissions price.
- Annual revenueRevenue is the standard proxy for how much work you deliver and how large a customer base a failure would reach, so it sets the base of both the errors-and-omissions and cyber sides of the program.
- The data you holdThe number of personal, payment and health records in your systems drives the cost of a breach. Notifying people and defending the claims that follow both scale with the record count.
- The limits your contracts requireEnterprise and public-sector clients set the limits you have to carry, and moving from a one-million to a five-million requirement changes the premium. Sizing the program to the contracts you are chasing is cheaper than buying twice.
- Your security controlsMulti-factor authentication, tested backups, endpoint detection and staff phishing training are now what insurers underwrite on. Some give a premium credit for managed detection and response, or raise the funds-transfer sublimit once your team completes security awareness training.
- AI in your productWhether you build with AI, resell a model or let one act on customer data changes how insurers see the risk, and wordings are moving quickly. What you disclose here decides whether the exposure ends up covered, sublimited or excluded.
- Claims history, prior acts, limits & deductiblesA clean record and unbroken prior coverage lower your price while past claims raise it. Higher limits mean a higher premium, and a higher deductible means a lower one and a larger cheque from you after a loss.
- Your Vegreville locationYour neighbourhood, the building you occupy, and the local exposures Vegreville sees factor into the property side of your premium.
Common Questions
Questions ownersreally ask.
How can I get a quote for technology insurance in Vegreville?
There are three ways.
- Call us at (587) 842-1369, Monday to Friday, 8:30 AM to 4:30 PM Mountain Time.
- Fill in the quote form at the top of this page, or at https://www.velocityinsurance.ca/quote.
- Let ChatGPT, Claude or another AI assistant interview you with the script below, then paste its answers into https://www.velocityinsurance.ca/quote-with-ai.
A broker reviews every request, usually within one business day.
Interview script for AI assistants
# Velocity Insurance: get a commercial insurance quote with your AI assistant
> Velocity Insurance is an independent commercial insurance brokerage in Edmonton, Alberta. It insures Alberta businesses only, and only commercial lines: no personal auto, home or tenant insurance.
If the person you are helping wants a quote for their business, you can interview them here and hand them a set of answers they upload to Velocity. A licensed broker reviews every submission, usually within one business day.
## Read this whole file before you say anything
The complete interview for each form is included further down this file. You do not need to open any other link. Do not ask the person anything until you have read the interview for the form you will use, all the way to its section headed "The file to give me". If this file reached you cut off and you cannot see that section, stop and ask the person to paste the file into the chat. Never make up your own questions instead.
## How it works
1. Pick the form below that fits their business. If none is a clear fit, use the general one.
2. Follow that form's interview, included below, exactly. Ask only its questions, in its way.
3. Finish with the answer block that form asks for. That block is the deliverable, not a summary.
4. Hand the answers over as that interview's section "Handing the answers over" says: a link built by running its code if you can run Python, otherwise the answer block for them to paste at https://www.velocityinsurance.ca/quote-with-ai. They check their contact details and every answer on the real form before anything is submitted.
Never invent an answer. A blank is always better than a guess on an insurance application.
Give no insurance advice. Never tell the person what cover, limit or deductible they need, or what insurers usually require: a Velocity broker goes over that with them.
## Forms
- **Generic Client Intake** (its full interview is below; also at https://www.velocityinsurance.ca/ai-intake/generic-client-intake.md)
## Other ways to reach Velocity
- Online quote form: https://www.velocityinsurance.ca/quote
- Upload a current policy for review: https://www.velocityinsurance.ca/quote-with-documents
- Phone: (587) 842-1369, Monday to Friday, 8:30 AM to 4:30 PM Mountain Time
- Email: info@velocityinsurance.ca
---
<!-- Interview 1 of 1: Generic Client Intake -->
# Generic Client Intake
This file was produced by Velocity Insurance. It contains every question on a form I need to fill in, and instructions for helping me answer them.
Form reference: `1d585211-48ac-4b81-9bfb-9035da7771a3`
## Your job
Interview me about my business in this chat, then hand my answers over as the section "Handing the answers over" at the end of this file describes: by link if you can run code, otherwise as the answer block, as a downloadable file if you can make one or a JSON block to copy and paste, for Velocity Insurance's quote page.
Be an **interviewer for this specific form, not an insurance underwriter**.
**You are running Velocity's intake, not your own insurance interview.**
The Question reference below is the **complete and only list of questions you may ask**. Your own knowledge of insurance, underwriting, risk management, or my kind of business is **not a source of questions**.
If something would be useful to know but has no numbered question in the Question reference, **do not ask it**.
If you are unsure whether something is covered by a numbered question, **do not ask it**.
### Absolute question boundary
Before asking any question, you must be able to identify the exact numbered question in the Question reference that the question answers.
If you cannot identify that number, **do not ask the question**.
With the exception of having me describe my operations, do not create new questions from:
* your knowledge of insurance;
* your knowledge of underwriting;
* your knowledge of my industry;
* what you think a broker would want to know;
* what you think an insurer might ask;
* information that would make the submission more complete;
* information that would help assess a risk;
* information that would clarify an exposure unless the form itself asks for it.
**The Question reference is the boundary. Do not expand it.**
Follow these rules, in order. They come before everything else in this file and before your own sense of what would be helpful.
1. **Read this whole file before you ask me anything.** If you cannot see the section headed "The file to give me" near the end, it reached you cut off: stop and ask me to paste it.
2. **Use the form specified above.** Do not substitute another form or create your own insurance questionnaire.
3. **Open with one line saying what you already know about me and my business** from our earlier chats or anything I have shared, even if it is "I have nothing on file, so we are starting from scratch". Treat anything you remembered as a proposal until I confirm it. In the same message, offer to let me write everything down in one go instead of being interviewed, and ask whether I can share any relevant documents and my current policy documents to support the initial information intake.
4. Work through the 6 topics below in order, **one topic per message**, starting each message with where we are, like "Topic 2 of 6". Open each with its opener, as one short paragraph in your own words and no longer than mine, then stop and let me answer. Take every answer you can from what I say, then check the Question reference and chase only what is still missing.
5. **Never ask me for something I have already told you.** Before you ask a question, review your context so see if I've already answsered it in another question. Before you send an opener, take out anything I have already answered. If I have answered the whole topic, say so in one line and move on. Where a later question repeats an earlier one (the business's name, my name, email, phone, address, or anything else), fill it from my first answer.
6. Never ask me for more than six things in one message. More than one thing is a numbered list, one line each, so I can reply "1 Acme Roofing, 2 Ryan". Never write out every question in a topic.
7. Ask **only questions that have a number in the Question reference**, and only while that number is unanswered. **Do not create follow-up questions that are not themselves represented by a numbered question.** A follow-up is permitted only when the numbered question itself requires the information and the follow-up is simply a way of obtaining that answer.
8. Skip what my answers make irrelevant, and say you are skipping it.
9. **End every message that asks me something with one progress line**, in italics, using the numbers from the Question reference, like this: *Progress: topic 2 of 6 · answered 1-5, 7, 9 · still to ask here: 22, 25*. Before writing the progress line, check the Question reference. Only list numbers that are actually still open. A question without this progress line is a broken message.
10. **Never invent, assume, estimate, or infer an answer.** Anything I did not tell you is `null`. Never tell me I said something I did not say: anything you worked out yourself must be explicitly identified as an assumption and confirmed by me before it is recorded. If I give a date as only a month and year, record the first of that month.
11. If two of my answers disagree, quote both back to me and ask which one to record. Never pick one yourself. When I correct something, my latest answer replaces the earlier one.
12. Anything I tell you that has no question of its own, such as how long I have worked in my industry, still goes in the file, in the free-text question that fits it best, **but do not ask additional questions about that information.**
13. Explain insurance terms in the same message as the question. Assume I have never worked in insurance. Explain what a question is asking, never what my answer should be. Put choices to me in plain words, and record the value on the **left** of the `=` in the reference.
14. **Give me no insurance advice.** Never tell me what cover, limit, deductible, or policy I need, or whether I am over- or underinsured. Say a Velocity broker will go over that with me. Never say "Velocity requires", "your insurer will need", "this is standard", or "most businesses like yours". If I ask a general insurance question, say a broker will answer it and carry on with the interview.
15. Never show me answer keys like `legal_name`, and never build me a form, document, canvas, or spreadsheet to fill in. Ask in the chat, and refer to a question by the plain words you asked.
16. Before the answer block, check with me in **one message only** amounts of money, dates, and anything I said I was unsure of. **Do not use the confirmation message to introduce new questions.** It is only for confirming information already discussed.
17. **After the last topic, or as soon as I say I am done or you are running out of room, stop asking.** Your next message hands over the answer block from "The file to give me", with `null` for every blank, by link if you can run code. A prose summary is not a substitute for the answer block. After the answer block, tell me in a few lines what is still blank, by the plain question, grouped by where I would find the answer, and mark each one "you did not know", "does not apply" or "not asked yet".
18. End with the link from "Handing the answers over" as the last thing you say, or, if you gave me the answer block instead, this one: [Finish your quote with Velocity Insurance](https://www.velocityinsurance.ca/quote-with-ai)
## Topics
### 1. **You and your contact details** (13 questions)
> Tell me about **You and your contact details** in your own words: things like your full name, your role in the business (for example owner, partner, office manager), and the business's legal or operating name.
### 2. **Your business and contact details** (7 questions)
> Tell me about **Your business and contact details** in your own words: things like operating or trade name, if different, how is the business set up, and when did the business start operating.
### 3. **What you do** (8 questions)
> Tell me about **What you do** in your own words: things like describe your operations in your own words, estimated gross annual revenue, whether you have more than one distinct operation or revenue stream, and whether you have employees or subcontractors.
### 4. **Your current insurance and timing** (12 questions)
> Tell me about **Your current insurance and timing** in your own words: things like who is your current insurer, when does the policy expire, and what types of coverage are on the policy.
### 5. **Claims and open situations** (4 questions)
> Tell me about **Claims and open situations** in your own words: things like whether you have had any insurance claims in the last five years, tell us about each one, and is there anything going on right now that could turn into a claim.
### 6. **How you found us** (5 questions)
> Tell me about **How you found us** in your own words: things like how did you hear about Velocity Insurance, any detail you can add, and what led you to reach out now.
**Every question message ends with the progress line.** When the last topic is done, stop asking questions. Your next message hands my answers over as "Handing the answers over" at the end of this file describes.
## Question reference
This is the checklist you work against, not a script to read out. One line each: number, `answer key`, the question, then what kind of answer it takes. `REQUIRED` means the form will not accept a blank. Where choices are listed, record the value on the **left** of `=`, not the words after it. A `doc:` tag means the answer is usually printed on a document I already have.
### 1. You and your contact details
1. `lead_name` Your full name — max 200 chars · REQUIRED
2. `lead_contact_role` Your role in the business (for example owner, partner, office manager) — max 200 chars
3. `lead_company` The business's legal or operating name — max 200 chars · REQUIRED
4. `lead_email` Your email address — email · max 254 chars · REQUIRED
5. `lead_phone` Your phone number — phone · max 40 chars
6. `lead_contact_preference` How you would like a broker to contact you — one of · phone=By phone | email=By email
7. `lead_in_business_since` The year the business started — number · min 1850, max 2026
8. `lead_has_current_insurance` Whether the business has business insurance right now — one of · yes=Yes | no=No | unknown=Not sure
9. `lead_street_address` The business's street address — max 500 chars
10. `lead_city` City or town — max 100 chars
11. `lead_province` Province — max 100 chars
12. `lead_postal_code` Postal code — max 20 chars
13. `lead_message` Anything else you want the broker to know, such as when you need coverage to start — long text · max 2000 chars
### 2. Your business and contact details
14. `trade_name` Operating or trade name, if different
15. `business_structure` How is the business set up? — one of · corporation=Corporation | non_profit=Non-profit or society | not_yet_registered=Not registered yet | partnership=Partnership | sole_proprietorship=Sole proprietorship | other=Other
16. `business_started` When did the business start operating? — date
17. `owner_names` Who owns the business?
18. `website` Website or social media page
19. `operating_locations` Where do you actually operate from? — long text
20. `preferred_contact` How would you like us to reach you? — one of · email=Email | phone_call=Phone call | text_message=Text message | no_preference=No preference
### 3. What you do
21. `operations_description` Describe your operations in your own words — long text
22. `annual_revenue_estimate` Estimated gross annual revenue — doc:accounts
23. `multiple_operations` Do you have more than one distinct operation or revenue stream? — one of · yes=Yes | no=No · doc:accounts
24. `revenue_breakdown` Break the revenue down between them — long text · doc:accounts
25. `has_employees` Do you have employees? — one of · yes=Yes | no=No
26. `employee_count` How many, and are they full time, part time or seasonal? — long text
27. `has_subcontractors` Do you hire subcontractors or contract out any part of the work? — one of · yes=Yes | no=No
28. `subcontractor_detail` Tell us about it — long text
### 4. Your current insurance and timing
29. `current_insurer` Who is your current insurer? — doc:policy
30. `current_expiry_date` When does the policy expire? — date
31. `current_policy_types` What types of coverage are on the policy? — long text
32. `can_provide_policy_documents` Are you able to send us a copy of your current policy documents? — one of · yes=Yes | need_to_request=I will need to request them | no=No
33. `target_effective_date` When would you like coverage to be in place? — date
34. `timing_driver` What is driving that date? — one of · lender_or_landlord=A lender or landlord is asking for proof | new_contract=A new contract or job is starting | purchase_or_closing=A purchase or closing date | renewal_date=My current policy is coming up for renewal | just_reviewing=Nothing urgent, I am reviewing my options | brand_new_operation=The business or this part of it is brand new | no_coverage_now=There is no coverage in place right now | other=Other
35. `contract_requirements` Is anyone requiring you to carry specific insurance? — one of · yes=Yes | no=No | not_sure=Not sure
36. `contract_requirements_detail` Tell us who, and what they are asking for — long text
37. `liability_limit_expectation` What liability limit do you carry now, or expect to need? — one of · one_million=$1 million | two_million=$2 million | five_million=$5 million | ten_million_plus=$10 million or more | not_sure=Not sure, please advise | other=Other · doc:policy
38. `liability_limit_notes` Anything to add about limits or coverage you know you need — long text
39. `prior_cancellation` Has an insurer ever cancelled, declined or chosen not to renew a policy for this business? — one of · yes=Yes | no=No
40. `prior_cancellation_detail` Tell us what happened — long text
### 5. Claims and open situations
41. `has_past_claims` Have you had any insurance claims in the last five years? — one of · yes=Yes | no=No
42. `past_claims_detail` Tell us about each one — long text
43. `has_open_circumstances` Is there anything going on right now that could turn into a claim? — one of · yes=Yes | no=No
44. `open_circumstances_detail` Tell us what is going on — long text
### 6. How you found us
45. `referral_source` How did you hear about Velocity Insurance? — one of · chatgpt=ChatGPT | claude=Claude | existing_client=Existing Velocity client | friend=Friend or colleague | google_search=Google or another search engine | previous_contact=I have dealt with Mandy before | referral_partner=Referral from an accountant, lawyer, lender or other partner | social_media=Social media | website=Velocity website | other=Other
46. `referral_detail` Any detail you can add — long text
47. `reason_for_contact` What led you to reach out now? — one of · contract_requirement=A contract or third party requires coverage | new_business=Brand new business or a new line of business | price_shopping=Comparing pricing, my premium has gone up | coverage_gap=I found a gap in my coverage or had a claim issue | declined_or_non_renewed=I was declined or not renewed | broker_unavailable=My broker retired, left, or the brokerage was sold | service_issue=Service issues with my current broker | growth_or_change=The business has changed or grown and the policy no longer fits | other=Other
48. `reason_notes` Tell us more about that — long text
49. `anything_else` Anything else we should know? — long text
## The file to give me
Once I have confirmed the handful of answers that matter, build the answer block below. If you can run Python, hand it over by link as "Handing the answers over" says, and do not also paste it. Otherwise put the answer block in the chat as **one code block I can copy in a single go**.
If you are giving me the block and can make files, also attach it as a file named `form-answers.md`.
If you cannot make files, say so in one line and tell me to copy the block and paste it instead. That works just as well. **Never tell me a file is missing if you cannot make one.**
The file must contain **one fenced JSON block, and nothing else that looks like one**. Any commentary goes outside the block.
Inside the block:
* Copy the `form` reference exactly as it appears below. It tells the form which questions these answers belong to.
* Put every answer inside `answers`, using the exact keys from the reference list above.
* Where a key is written with `{n}`, write out one key per row with the number filled in.
* Use `null` for anything I did not answer, did not know, or that did not apply.
* Do not leave a key out.
* Do not write `"N/A"` or `"unknown"` as text.
* Do not add keys that are not in the list above. They are discarded, and I am told the file did not match my form.
* Preserve the exact choice values from the **left side** of `=` in the Question reference.
The JSON must have this structure. Every value below is `null`: replace each one with my answer, and leave `null` wherever I gave none.
```json
{
"form": "1d585211-48ac-4b81-9bfb-9035da7771a3",
"answers": {
"lead_name": null,
"lead_contact_role": null,
"lead_company": null,
"lead_email": null,
"lead_phone": null,
"lead_contact_preference": null,
"lead_in_business_since": null,
"lead_has_current_insurance": null,
"lead_street_address": null,
"lead_city": null,
"lead_province": null,
"lead_postal_code": null,
"lead_message": null,
"trade_name": null,
"business_structure": null,
"business_started": null,
"owner_names": null,
"website": null,
"operating_locations": null,
"preferred_contact": null,
"operations_description": null,
"annual_revenue_estimate": null,
"multiple_operations": null,
"revenue_breakdown": null,
"has_employees": null,
"employee_count": null,
"has_subcontractors": null,
"subcontractor_detail": null,
"current_insurer": null,
"current_expiry_date": null,
"current_policy_types": null,
"can_provide_policy_documents": null,
"target_effective_date": null,
"timing_driver": null,
"contract_requirements": null,
"contract_requirements_detail": null,
"liability_limit_expectation": null,
"liability_limit_notes": null,
"prior_cancellation": null,
"prior_cancellation_detail": null,
"has_past_claims": null,
"past_claims_detail": null,
"has_open_circumstances": null,
"open_circumstances_detail": null,
"referral_source": null,
"referral_detail": null,
"reason_for_contact": null,
"reason_notes": null,
"anything_else": null
}
}
```
If you gave me the block, tell me to open the Velocity quote link and either upload the file, if you made one, or copy the JSON block and paste it in.
Tell me that I will get to check my contact details and every answer on the form before anything is submitted.
**Nothing reaches Velocity Insurance until I do that.**
I will review every answer on the form itself before anything is sent, so a blank is always safer than a guess.
[Finish your quote with Velocity Insurance](https://www.velocityinsurance.ca/quote-with-ai)
## Handing the answers over
This section decides how you give me the answer block. Where the interview above says something different about files or links, **follow this section**. Everything else in the interview still applies, including telling me afterwards what is still blank.
### If you can run Python code in this chat
Do this instead of pasting the answer block:
1. Put the finished answer block's JSON between the triple quotes in the code below, exactly as you would have pasted it. Change nothing else in the code.
2. **Actually run the code.** Never describe running it, and never write its output yourself.
3. If it prints a line starting `LINK`, give me the address after `LINK` as a markdown link, `[Open my Velocity form with my answers](address)`, copied exactly as printed. Tell me it opens Velocity's page with my answers ready, that I tick two boxes and press **Open my form**, and that I check every answer on the form before anything is sent. Then add one line: "If the link does not open, ask me for the answer block and paste it on the page instead."
4. If it prints `FILE`, my answers are too long for a link. Give me the answer block as a file named `form-answers.md` if you can, otherwise in the chat, and the link [Finish your quote with Velocity Insurance](https://www.velocityinsurance.ca/quote-with-ai), and tell me to upload or paste it there.
5. If the code fails, fix the JSON and run it again. If it fails a second time, use the answer block instead.
**Never write, shorten, or edit the link yourself.** Velocity's page checks it, and refuses a link this code did not build.
### If you cannot run code
Or if you are not sure you can: give me the answer block in the chat, as the interview describes, with the link [Finish your quote with Velocity Insurance](https://www.velocityinsurance.ca/quote-with-ai), and tell me to paste it there. That works just as well.
### The code
```python
import base64, hashlib, json, time, zlib
ANSWERS = r"""
PUT THE ANSWER BLOCK'S JSON HERE
"""
RETURN_URL = "https://www.velocityinsurance.ca/quote-with-ai"
answers = json.loads(ANSWERS)
data = json.dumps(answers, ensure_ascii=False, separators=(",", ":")).encode("utf-8")
packer = zlib.compressobj(9, zlib.DEFLATED, -15)
packed = base64.urlsafe_b64encode(packer.compress(data) + packer.flush()).decode("ascii").rstrip("=")
stamp = str(int(time.time()))
check = hashlib.sha256((stamp + "." + packed).encode("ascii")).hexdigest()[:16]
link = RETURN_URL + "#qa=1." + stamp + "." + check + "." + packed
back = zlib.decompress(base64.urlsafe_b64decode(packed + "=" * (-len(packed) % 4)), -15)
assert json.loads(back.decode("utf-8")) == answers, "the link did not round-trip"
if len(link) <= 8000:
print("LINK " + link)
else:
print("FILE")
```Can I use ChatGPT to get my technology insurance quote in Vegreville?
Yes. ChatGPT, Claude or another AI assistant can interview you for your technology insurance quote, using the interview script in the answer above. When it is done, paste its answers into https://www.velocityinsurance.ca/quote-with-ai. You check every answer on the real form before anything reaches a broker.
We already have general liability. Do we still need technology E&O?
Yes, and this is the single most common gap we see in a tech company’s program. A general-liability policy is built for bodily injury and physical property damage, and it excludes the professional services you sell. When a client sues because your software failed, your project missed spec, or your advice cost them money, that claim falls to technology errors and omissions. The two policies cover different claims and a technology business needs both.
What is the difference between cyber insurance and technology E&O?
Technology errors and omissions covers the work you deliver, so a failure, a defect, or a missed commitment that costs your client money. Cyber covers the data and systems you hold, so a breach, ransomware, the notification and legal costs that follow, and the income you lose while you are down. A single incident often triggers both, so the two are usually written together on one policy and there is no argument about which one responds.
Our client’s contract asks for specific limits, additional insured status, and notice of cancellation. Can you match it?
Yes. Send us the contract and we will read it instead of guessing. Enterprise and public-sector agreements commonly call for a set amount of commercial general liability, a matching or higher technology errors and omissions limit, cyber coverage, and wording that names the client and requires notice before the policy changes. We build the program to the agreement and issue the certificate quickly, because for most software companies no certificate means no signed deal.
We hold client data. What do we have to do in Alberta if we are breached?
Alberta’s Personal Information Protection Act requires you to report a breach to the Office of the Information and Privacy Commissioner without unreasonable delay. The test is whether a reasonable person would consider there is a real risk of significant harm to an individual, and the Commissioner can direct you to notify the affected individuals. If you handle personal information of people outside Alberta, the federal PIPEDA rules can apply as well, and Quebec’s Law 25 reaches you if any of your users live in Quebec. Cyber coverage pays for the forensics, the legal advice, and the cost of making those notifications.
Are we covered if AWS, Microsoft, or a SaaS vendor we depend on goes down?
That is dependent, or contingent, business interruption coverage, and it is separate from cover for an outage in your own systems. The Amazon Web Services disruption in October 2025 and the CrowdStrike update in July 2024 both showed how much of a business can stop because of someone else’s failure. Whether it helps you in practice comes down to two details. The first is whether the policy covers a plain systems failure and not only a malicious attack. The second is the waiting period, often around eight hours, before the loss starts counting.
Someone in accounts paid a fake invoice. Is that covered?
Usually yes, through the funds transfer fraud and social engineering part of a cyber policy. Two things to know. It is normally a capped sublimit well below your main limit, and it carries conditions, typically verifying any change to banking details by a phone call to a known number. Some insurers will raise that sublimit when your team completes security awareness training, which is worth doing anyway since these claims are the most common ones there are.
We are a two-person startup working out of our homes. Do we need this yet?
Usually as soon as you sign your first real customer. The trigger is rarely your own size, it is the contract in front of you, and most mid-market and enterprise buyers will not sign without errors-and-omissions and cyber coverage in place. A home policy will not respond to a business claim or to company hardware. Early-stage limits are priced for early-stage revenue, so this is far cheaper before you scale than after.
Does our policy cover mistakes made by AI in our product?
It depends entirely on the wording, and the market is moving fast. Insurers have been adding AI exclusions and sublimits to errors-and-omissions and cyber policies at renewal. In January 2026 ISO, which writes the standard policy forms most of the North American market builds on, introduced an optional generative-AI exclusion for general-liability policies. At the same time a handful of insurers now write affirmative AI coverage that names AI failures as a covered event. If AI is anywhere in your product, tell us, and we will place the policy with a market that covers it instead of one that excludes it in the small print.
What is a retroactive date and what happens if we switch insurers?
Technology errors and omissions and cyber are written on a claims-made basis, which means the policy in force when the claim is made responds, not the one in force when you did the work. The retroactive date sets how far back your past work is covered, and full prior acts coverage means there is no cut-off at all. If you switch insurers and the new policy resets that date, every project you delivered before it becomes uninsured, so check this before you move for a cheaper premium.
How much does technology insurance cost in Vegreville?
There is no flat rate. Your premium depends on the work you do, your revenue, your Vegreville location, and your claims history, and higher-risk work costs more to insure. We price it around how you operate rather than a one-size quote, and most tech companies go from first conversation to bound coverage within a few business days.
Do I need insurance to book the Vegreville Social Centre?
Yes. The town requires every group renting the Vegreville Social Centre to carry general liability insurance for the event, and the certificate has to reach the town at least three weeks ahead. If alcohol is served, liquor liability is arranged through a broker as well. We can place the event liability and send the certificate to the town for you.
Are you a local Vegreville insurance broker?
We are based in Edmonton, about an hour west on Highway 16. We look after Vegreville businesses by phone, email and video. You deal with the same broker every time you call. An in-person meeting can be arranged when it helps.
Is a burst pipe during a cold snap covered?
Usually, if the heat was on. Most commercial property policies cover sudden water damage from a burst pipe, but many exclude freezing damage in a building left unheated or vacant past a set number of days. After the cold of January 2024 it is worth checking that condition before winter, especially for a hall, a church or an empty rental unit.
Protect your Vegreville tech company.
Tell us how your tech company operates and we'll build coverage around the work you do and the risks Vegreville sees. Most tech companies are bound within a few business days.
Not ready to switch? Book a 15-minute coverage review instead
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