Tokio Marine Kiln (TMK), an international specialist insurance company and part of the Tokio Marine Group, has announced the launch of Enterprise Ctrl, a new enterprise errors and omissions (E&O) insurance solution.
By combining these areas, Enterprise Ctrl aims to minimise potential coverage gaps and provide organisations with more effective protection against the complex risks of operating in a digital environment.
The professional and technology services landscape has changed significantly, with third-party suppliers now central to business operations across multiple industries. High-profile incidents in recent years have shown the importance of integrated insurance solutions that can respond simultaneously to cyber incidents, professional liability, and business interruption.
Enterprise Ctrl is designed to address areas of exposure that are often overlooked in traditional E&O products. It acknowledges that many modern businesses derive substantial value from their intangible assets and intellectual property, rather than from physical goods or infrastructure.
The policy provides technology E&O protection for software developers, consultants, and digital platform providers, including coverage for artificial intelligence technologies and implementation services.
It also incorporates comprehensive cyber liability protection covering business interruption, privacy breaches, and regulatory investigations, without creating gaps or overlap between policies.
In addition, the policy includes intellectual property defence coverage for patent infringement and trade secret misappropriation claims arising from professional services, as well as protection against technology supply chain disruptions caused by cyberattacks on service providers.
Enterprise Ctrl is designed for both technology companies and professional services firms that deliver technology-enabled or digital solutions to their clients, offering them a cohesive approach to managing interconnected operational, technological, and reputational risks.
Laila Khudairi, Departmental Head Cyber & Enterprise Risk at TMK, commented: “We’re seeing more technology companies targeted specifically because they represent concentrated risk points in the supply chain. When these providers are compromised, the resulting claims cross traditional coverage boundaries. Enterprise Ctrl is the latest example of our commitment to innovation, addressing underserved market needs and driving the next generation of cyber insurance.”
Thomas McShane, Head of Technology and Media E&O at TMK, added: “The risk landscape has evolved and blurred the lines between traditional insurance business lines. Our Enterprise Ctrl approach brings clarity by recognising cyber incidents, professional service failures, and IP disputes as interconnected risks, central to how modern businesses operate and create value.
“Every company is now a tech company in some form. When these technology dependencies create vulnerabilities and systems fail, businesses face risks that traditional fragmented coverage approaches simply cannot address effectively. Enterprise Ctrl eliminates the coverage disputes and gaps by providing comprehensive protection under a single policy.”
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