Technology services
Address certain claims alleging an error, omission, delay, or failure in covered professional services.
Professional liability for technology services
Technology Errors and Omissions Insurance
A software defect, failed implementation, service outage, or professional mistake can lead a client to allege financial loss. Technology errors and omissions insurance—often called Tech E&O—helps address certain covered claims arising from technology products or professional services.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Technology products
Consider allegations involving covered software, platforms, or other specified technology products.
Coordinated cyber coverage
Review Tech E&O and cyber together when one incident could create both client loss and a security or privacy claim.
Who may need Technology E&O insurance
Technology companies often have contract obligations and financial-loss exposures that general liability does not address. Coverage should reflect the services and products described in customer agreements.
- Software developers and SaaS companies
- IT consultants and systems integrators
- Managed service and managed security providers
- Cloud, hosting, and data-service companies
- Technology vendors and platform operators
- Telecommunications and network service providers
Technology E&O versus cyber insurance
Tech E&O generally focuses on client claims that a technology product or service failed to perform as promised or caused financial loss. Cyber insurance generally focuses on security failures, privacy events, and the insured's incident-response costs. Some policies combine the coverages to reduce gaps when one event triggers both.
Contracts shape the exposure
Underwriters may review service descriptions, revenue by activity, customer industries, contract values, limitation-of-liability clauses, warranties, service-level commitments, subcontractors, and prior claims. Coverage should be compared with those obligations rather than selected by limit alone.
Common questions
Technology Errors and Omissions Insurance FAQ
Is Technology E&O the same as professional liability?
Technology E&O is a form of professional liability designed around technology products and services. Its definitions and exclusions are tailored to technology-related financial-loss claims.
Does Tech E&O cover a data breach?
It may not cover every privacy or security event. Technology firms often combine Tech E&O with cyber coverage so professional-service and cyber exposures can be coordinated.
Does general liability cover software errors?
General liability commonly focuses on bodily injury, property damage, and certain personal or advertising injury claims. Pure financial loss from software or technology services typically requires different coverage.
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