Sahouri Industries
Insurance for
Technology Companies

Internation Health &
Risk Consulting
SERVING INTERNATIONAL ENTITIES IN THE GULF REGION
Sahouri Insurance brings a unique value proposition in providing entities conducting business in the Gulf Region with international health and risk services. Our integrated, holistic consulting approach combined with a deep cultural understanding of the region supported by a diverse staff, advanced technology, operational efficiencies, strong communication, and clear expectations enable us to make sure your organization and people are well protected from risk.
We invite you take a look at who we are, what we offer, our approach, and how we advocate for you as your trusted partner in assessing risk, placing insurance coverage, mitigating risk, managing claims, and controlling costs all through an international lens.
Who We Serve: Trusted by Our Clients
We collaborate with owners, the C-suite, and financial/HR/Administration executives at each of the following international entities to manage risk and protect the health of the organization and its people.
US-Based Diplomatic Missions
- 89% of diplomats are 40+ years old
- Culturally aware, adaptable, well rounded and agile, represented by the diversity of the U.S.
- Hold bachelor's and master's degrees in a major like international relations, political science, cultural anthropology, sociology, or foreign policy
- Interests include current and international affairs
- Speak at least one foreign language
- Personal views are focused on human dignity, well-being, and harmony
- Actively involved in social activities
US-Based Foreign Government Assets
- 89% of diplomats are 40+ years old
- Culturally aware, adaptable, well rounded and agile, represented by the diversity of the U.S.
- Hold bachelor's and master's degrees in a major like international relations, political science, cultural anthropology, sociology, or foreign policy
- Interests include current and international affairs
- Speak at least one foreign language
- Personal views are focused on human dignity, well-being, and harmony
- Actively involved in social activities
Nationally-Owned Airlines
- Expatriates include pilots, cabin crew, and their respective families
US-Based Multinational Organizations
- Real Estate
- Technology
- Hospitality
- Manufacturing
- Contracting
- Other Organizations
International Trade Associations
- Real Estate
- Technology
- Hospitality
- Manufacturing
- Contracting
- Other Organizations
Corporate Health Protection for International Entities
Products
As clients expand their global footprint, they require a partner who can adequately address international risks. This partner is Sahouri.
Employee Benefits
- Global Medical
- Global Vision & Dental
- Pharmacy Plans
- Voluntary & Executive Benefits
- Key Personal Policies
- Short-term Disability
- Long-term Disability
- Individual Life
- Group Life
- Behavioral Health & Wellness Programs
HR Technology
- Client Portals
- Compliance Resources
- Open Enrollment Platform
- People Management Tools
- Learning Management System
Retirement Planning
- SEP Plans
- SARSEP Plans
- ROTH IRAs
- 401(k) & 403(b)
- 457 Plans
Services
- Communication & Marketing
- HR Consulting
- Industry Benchmarking
- Risk Management
- Claims Management
- Retirement Plan Management
- Executive Services
- Additional Professional Services

Property & Casualty Protection for International Entities
Transfer, Reduce, & Eliminate Risk
Our professional team takes the time to conduct a full risk assessment of your operation. Only then will we make coverage recommendations to address the various exposures you face – from cyber risks that include data breaches, third-party financial losses due to an error or omission in work performed, and ransomware; to employment-related disputes (i.e., allegations of wrongful termination, discrimination, sexual harassment); work-related injuries; loss of revenue due to business interruption; and others.
Products
Our portfolio of property and casualty coverages help mitigate the middle market’s risks while supporting its growth in the international arena.
Global Liability Insurance
- Foreign-Owned Locations
- Foreign Liability/Contracts
- General Products Liability
- Global Travel Coverage
- Non-Owned & Hired Auto Liability
- Professional Liability
- Excess Liability/Umbrella
- Kidnap, Extortion & Ransom
- Marine Equipment Breakdown
- Accidental Health & Dismemberment
Global Personnel Protection
- Defense Base Act (DBA)
- Maritime and Foreign Voluntary Workers' Compensation
- Medical, Political, & Security Evacuation
Financial & Management Lines
- Cyber Liability
- Directors & Officers (D&O)
- Employment Practices Liability (EPL)
- Fiduciary Liability (ERISA)
- Erros & Omissions (E&O)/Professional Liability
- Business Interruption
- Crime
Personal Risk
- Luxury Home, Auto, Renters
- Excess/Umbrella Liability
- Life Insurance
- Valuables Coverage
- Travel Insurance
- Cyber Liability
- Private Jets &Watercraft
Services
- Insurance Support
- Educational Resources
- Claims Administration
- Risk Management
- Loss Control
- Executive Services
- Additional Professional Services

What We Deliver
Improved Loss Control for Peace of Mind
Our integrated corporate risk and health consulting services and programs are designed to improve loss control and cost mitigation and enhance our clients’ peace of mind.
Loss Control
In managing a client’s portfolio of policies, we can accurately assess and address critical risks with a broad spectrum of strategies and tools. Our loss control services include compliance consulting, cyber exposure assessment, safety training programs, disaster recovery and planning, and IoT risk assessment and management.
- Medical
- Vision &Dental
- Pharmacy Plans
- Savings & Spending Accounts (HRA, HSA, FSA)
- Voluntary & Executive Benefits
- Keyperson Policies
- Buy-Sell Agreements
- Short- & Long-Term Disability
- Individual & Group Life Insurance
- Supplemental Health Insurance Plans
- Behavioral, Health, & Wellness Programs
- Retirement Plans 401(k), 403(b), 457, SEP, SARSEP, etc.
Cost Mitigation
The management and integration of a client’s portfolio of policies through one dedicated team enables us to close coverage gaps, seek alternative solutions for better risk protection, and avoid out-of-pocket costs due to uncovered claims. We are not simply selling policies but bringing value based on our clients’ needs.
- Custom Plan Design
- HR Consulting & Benefits Administration
- Payroll, Talent Acquisition, Performance
- Virtual Care or Telehealth Services
- Cost Analysis and Containment
- Claims Analysis and Management
- Insights from Industry Benchmarks
- Employee Communication, Training & Education
- Retirement Planning Management
- Executive & VIP Services
Peace of Mind
Data utilization, business analytics and intelligence, and innovative tools help us assess and manage risk, maintain compliance with regulatory requirements to avoid fines and penalties, benchmark to ensure competitiveness and cost mitigation, and provide an enhanced client experience through education and self-service capabilities.
- Medical
- Vision &Dental
- Pharmacy Plans
- Savings & Spending Accounts (HRA, HSA, FSA)
- Voluntary & Executive Benefits
- Keyperson Policies
- Buy-Sell Agreements
- Short- & Long-Term Disability
- Individual & Group Life Insurance
- Supplemental Health Insurance Plans
- Behavioral, Health, & Wellness Programs
- Retirement Plans 401(k), 403(b), 457, SEP, SARSEP, etc.
Cost Mitigation
The management and integration of a client’s portfolio of policies through one dedicated team enables us to close coverage gaps, seek alternative solutions for better risk protection, and avoid out-of-pocket costs due to uncovered claims. We are not simply selling policies but bringing value based on our clients’ needs.
- Custom Plan Design
- HR Consulting & Benefits Administration
- Payroll, Talent Acquisition, Performance
- Virtual Care or Telehealth Services
- Cost Analysis and Containment
- Claims Analysis and Management
- Insights from Industry Benchmarks
- Employee Communication, Training & Education
- Retirement Planning Management
- Executive & VIP Services
Technology Companies FAQs
What is technology Errors and Omissions insurance?
Technology Errors and Omissions (E&O) insurance, also called Professional Liability insurance, is designed to protect tech companies by covering risks associated with financial losses suffered by clients because of product or service failure due to acts, errors, or inadequate, negligent work committed by the tech company while performing these services. Tech E&O insurance will pay your attorney fees to defend a lawsuit, court costs, settlements or judgments, and miscellaneous lawsuit expenses.
What are the most common claims for technology companies?
E&O claims against technology companies are frequently filed as a result of disagreements about the scope of a project, delays, security issues, miscommunication, or the quality of the work delivered. For example, a customer may sue a software development company because they are dissatisfied with the product's performance or because the customer had higher expectations than what the product could offer.
What are some examples of cyber risk?
Cyber risks range from data breaches to inadvertently exposing confidential records, the malicious transmission of a virus that causes widespread loss of data, ransomware demands to unblock network access, business interruption as a result of a cyber loss that causes company downtime and revenue loss, and phishing and social engineering attacks that dupe an employee into transferring funds to a bad actor.
Does our business owner’s policy cover cyber risks?
A business owner’s policy (BOP) does not cover cyber risks. You need Cyber insurance to address and respond to cyber exposures such as data breaches and ransomware.
Does my small business need Cyber insurance?
All businesses, no matter what size, need Cyber insurance, including tech companies – whether you’re starting out or have been in business for some time. Cybercriminals target small businesses because they often don’t have the same cybersecurity measures as larger firms.
A recent report from cloud security company Barracuda Networks analyzed millions of emails across thousands of companies. On average, according to the report, an employer of a small business with fewer than 100 employees will experience 350% more social engineering attacks than an employee of a larger enterprise.
Furthermore, according to a recent report based on a study of 7,500 cyber claims conducted by NetDiligence over five years, the average cost for all types of cyber claims for small businesses (SMBs) is $170,000 for the entire incident, $82,000 for legal and regulatory fees, and $100,000 for crisis services (breach coach counseling, notification, forensics, credit/ID monitoring, PR). Ransomware remains the leading cause of loss for SMBs.
Cyber insurance not only provides firms with coverage in the event of a loss, but many insurers also provide risk-mitigation services to help prevent losses from occurring. Cybersecurity is more important than ever and an integral component of the underwriting process when procuring coverage.
Specialized Technology Products & Consulting Services
- Medical
- Vision & Dental
- Pharmacy Plans
- Savings & Spending Accounts (HRA, HSA, FSA)
- Voluntary & Executive Benefits
- Keyman Policies
- Buy-sell Agreements
- Short & Long-term Disability
- Individual & Group Life Insurance
- Supplemental Health Insurance Plans
- Behavioral, Health, & Wellness Programs
- Retirement Plans 401(k), 403(b), 457, SEP, SARSEP, etc.
- Custom Plan Design
- HR Consulting & Benefits Administration
- Payroll, Talent Acquisition, Performance
- Virtual Care or Telehealth Services
- Cost Analysis and Containment
- Claims Analysis and Management
- Insights from Industry Benchmarks
- Employee Communication, Training & Education
- Retirement Planning Management
- Executive & VIP Services
- Additional Professional Services
Tech Liability Coverage:
- General Products Liability
- Media Liability
- Information Security & Privacy Liability
- Professional & Excess Liability (Umbrella)
- Equipment Breakdown
- Bodily Injury
- Reputational Harm.
Financial & Management Lines:
- Technology Cyber Liability
- Technology Errors & Omissions (E&O)
- Directors & Officers (D&O)
- Employment Practice Liability (EPL)
- Fiduciary Liability (ERISA)
- Business Interruption
- Crime
- Coverage Selection & Renewal
- Software for Ergonomic Learning & Assessment (SELA)
- Data Center/IT Assessments & Data Breach Services
- Claims Analytics & Management
- Compliance Support & Regulatory Guidance
- Business Continuity/Disaster Recovery Planning
- Safety Program Audits
- Loss Control Technology
- Executive & VIP Services
- Additional Professional Services
Technology Businesses FAQs
What is technology Errors and Omissions insurance?
Technology Errors and Omissions (E&O) insurance, also called Professional Liability insurance, is designed to protect tech companies by covering risks associated with financial losses suffered by clients because of product or service failure due to acts, errors, or inadequate, negligent work committed by the tech company while performing these services. Tech E&O insurance will pay your attorney fees to defend a lawsuit, court costs, settlements or judgments, and miscellaneous lawsuit expenses.
What are the most common claims for technology companies?
E&O claims against technology companies are frequently filed as a result of disagreements about the scope of a project, delays, security issues, miscommunication, or the quality of the work delivered. For example, a customer may sue a software development company because they are dissatisfied with the product's performance or because the customer had higher expectations than what the product could offer.
What are some examples of cyber risk?
Cyber risks range from data breaches to inadvertently exposing confidential records, the malicious transmission of a virus that causes widespread loss of data, ransomware demands to unblock network access, business interruption as a result of a cyber loss that causes company downtime and revenue loss, and phishing and social engineering attacks that dupe an employee into transferring funds to a bad actor.
Does our business owner’s policy cover cyber risks?
A business owner’s policy (BOP) does not cover cyber risks. You need Cyber insurance to address and respond to cyber exposures such as data breaches and ransomware.
Does my small business need Cyber insurance?
All businesses, no matter what size, need Cyber insurance, including tech companies – whether you’re starting out or have been in business for some time. Cybercriminals target small businesses because they often don’t have the same cybersecurity measures as larger firms.
A recent report from cloud security company Barracuda Networks analyzed millions of emails across thousands of companies. On average, according to the report, an employer of a small business with fewer than 100 employees will experience 350% more social engineering attacks than an employee of a larger enterprise.
Furthermore, according to a recent report based on a study of 7,500 cyber claims conducted by NetDiligence over five years, the average cost for all types of cyber claims for small businesses (SMBs) is $170,000 for the entire incident, $82,000 for legal and regulatory fees, and $100,000 for crisis services (breach coach counseling, notification, forensics, credit/ID monitoring, PR). Ransomware remains the leading cause of loss for SMBs.
Cyber insurance not only provides firms with coverage in the event of a loss, but many insurers also provide risk-mitigation services to help prevent losses from occurring. Cybersecurity is more important than ever and an integral component of the underwriting process when procuring coverage.

BUILDING CLIENT CONFIDENCE
Smarter Decisions, Better Outcomes, Less Time.
We proactively utilize business intelligence and analytics tools to build client confidence and peace of mind with the right decisions at the right time through the right mix of data, technology, and human competencies.
50+ Years of Strong Carrier Partnerships





















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What our Guests
are Saying
Since 1970, we have treated our clients as Guests worthy of the highest levels of attention and care. Our client centric consulting approach and organizational processes are carefully designed to help us understand and address their unique needs so we can Advocate on their behalf.

We have enjoyed impeccable cooperation with Sahouri for over 15 years, no one can replace their remarkable service. I strongly recommend them to all Diplomatic Missions and my friends."
Diplomatic Mission
Ambassador
Today's ever-changing environment makes it difficult to know what the "right" type and amount of coverage is. Working with Sahouri has taken the guesswork out of this equation!
Government Contractor
CEO
The rarest of insurance executives, they understand client needs and negotiate on your behalf. Highly recommend Sahouri to anyone interested in protecting all aspects of their lives.
Technology Company
Founder & CEO.jpg)
Steadfast, diligent, tenacious in securing the appropriate coverage for us. Needless to say, they are community association insurance experts! Your kindness and direction is a gold mine.
Organization of Homeowners Association
President
Their advisers take the time to understand our needs, align them with the appropriate insurance carriers, and then negotiate the most cost-effective and comprehensive insurance solutions available in the market on our behalf.
Mid-Market Business
President & CEO
I've worked with many insurance brokers over the past 35 years, Sahouri's service is exceptional, without peer. They deliver the highest quality products at a competitive price.