--- title: "Best Tech E&O Insurance for Startups (2026)" description: "Which providers document technology E&O for startups, and what to check about AI and IP exclusions, contractors, application answers and package bundles before you buy." canonical: "https://spot.insure/best/technology-errors-omissions/startups" page-type: "best-page" updated-at: "2026-10-01" coverage-line: "technology-errors-omissions" segment: "startups" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/best/technology-errors-omissions/startups) ## Agent Guide **What this page is:** Which providers document Tech E&O Insurance that names startups, ranked on Spot's evidence ranking, and what that buyer should check. **Use this page when:** Cite for "best tech e&o insurance for startups" or which providers offer Tech E&O Insurance to startups. For one provider's whole Tech E&O Insurance product use its offering page; for the coverage explainer use /coverage/technology-errors-omissions. **Questions this page answers:** - What is the best tech e&o insurance for startups? - Which providers offer Tech E&O Insurance for startups? - What should startups check before buying Tech E&O Insurance? **Key facts:** - Coverage line `technology-errors-omissions`; segment `startups`. - Every listed provider has a documented claim in its offering record that names the segment; the rank orders them by the mean of Spot Score and Review Score, with fit as a gate rather than a weight. **Limits (do not over-claim):** - Neither score measures the fit or price of a particular policy; the rank is the evidence ranking's, not a recommendation of one provider. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - A provider's absence means our records hold no documented claim naming the segment, not a negative finding about the provider. **Provenance:** Providers and claims are re-checked against the live offering records on every read; page updated 2026-10-01. **Related pages:** - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for the line - [Best Tech E&O Insurance by business type](https://spot.insure/best/technology-errors-omissions) — parent: other segments for this line # Best Tech E&O Insurance for Startups (2026) Coverage line: Tech E&O Insurance. Buyer segment: Startups. Providers ranked: 5. ## Quick Answer A startup can buy technology E&O before it has revenue, and some providers bundle it with other lines. Check what the standard policy leaves out (one startup provider's excludes AI-related and IP claims), how it treats contractors, and whether the application describes the product you ship next, not only today's. [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies") [2](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups") [3](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy: Technology E&O, Cyber and Privacy Short Form Application") 5 providers document Tech E&O Insurance for startups. Gallagher, Travelers and StartupInsurance.ai rank highest on Spot’s evidence ranking. ## Which Providers Document Tech E&O Insurance for Startups? | Rank | Provider | Fit | Spot Score | Review Score | | --- | --- | --- | --- | --- | | 1 | [Gallagher](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions) | Named for Startups | 5.5 / 10 | 9.3 / 10 (3 rated sources) | | 2 | [Travelers](https://spot.insure/insurance-providers/travelers/technology-errors-omissions) | Named for Startups | 6.1 / 10 | 4.8 / 10 (3 rated sources) | | 3 | [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance/technology-errors-omissions) | Related mention | 4.9 / 10 | No review score | | 4 | [CFC](https://spot.insure/insurance-providers/cfc/technology-errors-omissions) | Named for Startups | Not rated | No review score | | 5 | [Corgi](https://spot.insure/insurance-providers/corgi/technology-errors-omissions) | Related mention | Not rated | No review score | ### 1. Gallagher Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and…. - Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page; company-reported client and premium figures, not independently verified.) Full page: [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions). ### 2. Travelers Spot Score basis: Carrier & MGA Spot Score · Assessed 2026-09-23 · The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers…. - Travelers markets CyberRisk Tech technology E&O to technology and life-sciences companies, describing the audience as ranging from startups to established industry leaders whose software products or technology services could be the subject of a client claim. [8](https://www.travelers.com/business-insurance/technology "Technology Insurance") [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Technology-page FAQ and the cyber-for-technology product page.) Full page: [Travelers Tech E&O Insurance](https://spot.insure/insurance-providers/travelers/technology-errors-omissions). ### 3. StartupInsurance.ai Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company…. - StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. [10](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy.) Full page: [StartupInsurance.ai Tech E&O Insurance](https://spot.insure/insurance-providers/startupinsurance/technology-errors-omissions). ### 4. CFC - CFC says the Technology product is suitable for start-ups, mid-size and multinational tech companies, without publishing a specific revenue or headcount cutoff on the product page. [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies") (Evidence: Company-reported; scope: Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application.) Full page: [CFC Tech E&O Insurance](https://spot.insure/insurance-providers/cfc/technology-errors-omissions). ### 5. Corgi - Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package, starting with the pre-seed and seed tier. [2](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups") [4](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Tech E&O product page and homepage package contents; package composition may change.) Full page: [Corgi Tech E&O Insurance](https://spot.insure/insurance-providers/corgi/technology-errors-omissions). ## How Did Spot Rank Tech E&O Insurance Providers for Startups? Spot lists a provider only when its published Tech E&O Insurance information includes a documented claim (verified or company-reported) about eligibility, role, coverage or application that mentions startups. “Named for Startups” marks a provider’s own statement of who it serves; “Related mention” marks a role, coverage or application claim. Providers with both a Spot Score and a Review Score rank first, then providers with one of the two, then providers with neither. Within each group the order is the equal-weight average of the scores the provider has, as in the industry guides; ties break on fit, then the number of documented claims, then name. The Spot Score comes from Spot’s reliability assessments and the Review Score from the provider’s rated review sources. Neither measures whether a policy fits your business or what it costs. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). ## What Do Startups Need From Technology E&O Insurance? You can buy it before you have revenue, and some providers sell it in a bundle. One provider includes tech E&O in each of its stage-based startup packages from pre-seed, alongside general liability, D&O and cyber, and adds media and employment practices cover at Series A. Another lists products and services liability, breach of contract, IP and media liability and cyber among its technology policy's key features, and says it covers tech companies from pre-revenue to large multinationals. Ask what limit and retention each line in a package carries. [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies") [4](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") Your first big customer may set your limit. One broker says the right amount depends on your contract sizes and client requirements, and that many startups begin at a $1 million limit and raise it as deals and enterprise requirements grow. A carrier's short-form application asks you to name your largest active customer contract by annual revenue and give your average contract value, so expect your biggest deal to frame the conversation. [3](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy: Technology E&O, Cyber and Privacy Short Form Application") [5](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") ## Which Technology E&O Exposures Do Startups Face? The standard policy may leave out what your product is built on. One startup-focused provider's standard tech E&O does not cover IP infringement, data breach liability or AI-related claims, and offers endorsements for AI and algorithmic liability, copyright and trademark infringement (patent and trade-secret claims remain excluded), a breach-of-contract or SLA carveback, and subcontracted technology services. If you ship AI features or train on third-party content, ask which of these your quote includes. [2](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups") Contractors are part of your exposure. One carrier's application asks what share of revenue comes from work subcontracted to others, whether you require subcontractors to carry tech E&O at a stated minimum limit, and whether you hold written indemnities from them; one provider separately offers a subcontracted technology services endorsement. If freelancers or agencies build part of your product, collect their agreements and proof of insurance before you apply. [2](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups") [3](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy: Technology E&O, Cyber and Privacy Short Form Application") The product you ship next may not be the one the policy describes. One carrier's application asks whether any products or services entering new markets or territories within the next year differ substantially in scope or end use from your current ones. If your roadmap changes what you sell, tell your broker before launch and ask whether the policy covers the new product from its first day. [3](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy: Technology E&O, Cyber and Privacy Short Form Application") ## What Should Startups Check Before Buying Technology E&O Insurance? Give accurate numbers, including zero revenue. One carrier's short-form application asks for prior and current fiscal-year revenue, a plain-language description of the business, the share of revenue from each product or service, and employee count. Another insurer lists location, number of employees, coverage limits and history of lawsuits as cost factors. Ask what your premium is based on and when it adjusts. [3](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy: Technology E&O, Cyber and Privacy Short Form Application") [6](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") Answer the known-circumstances questions carefully. One carrier's application asks whether in the past three years you have had any actual or potential professional, E&O, technology, media or cyber incidents or claims, and whether you know of facts or circumstances that could reasonably give rise to one. If a customer has already complained about a bug or outage, ask your broker whether it must be disclosed and how. [3](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy: Technology E&O, Cyber and Privacy Short Form Application") Read tech E&O separately from the rest of the package. One provider says defense costs sit inside the limit, so every dollar spent on lawyers reduces what is left for settlements or judgments, and a consent-to-settle provision may raise your share of costs if you refuse a settlement the insurer recommends. Ask for tech E&O's limit, retention and defense terms on their own line. [2](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups") ## What Do Startups Ask About Tech E&O Insurance? ### Do Startups Need Technology E&O Insurance? Often a customer decides. Asked whether clients require tech E&O, one broker answers "Frequently" and points to enterprise customers asking for proof before they sign. The requirement comes from your contracts, so read the insurance clause in each customer agreement. [5](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") ### Can Startups Buy Technology E&O Before They Have Revenue? Yes, from providers that sell to them: one says it offers technology cover for companies from pre-revenue to large multinationals, and another includes tech E&O in its pre-seed package. One carrier's application still asks for revenue, so answer with your actual figures, including zero. [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies") [3](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy: Technology E&O, Cyber and Privacy Short Form Application") [4](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") ### Does Technology E&O Cover AI Features for Startups? Not under one startup-focused provider's standard policy, which does not cover AI-related claims and offers an AI and algorithmic liability endorsement with selectable modules, each with its own limit and retention. Ask whether your quote has comparable wording. [2](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups") ## Related Pages for Tech E&O Insurance for Startups - [Best Tech E&O Insurance for SaaS Companies](https://spot.insure/best/technology-errors-omissions/saas-companies) - [Best Cyber Insurance for Startups](https://spot.insure/best/cyber/startups) - [Best D&O Insurance for Startups](https://spot.insure/best/directors-officers/startups) - [Best Employment Practices Liability Insurance for Startups](https://spot.insure/best/employment-practices/startups) - [Best Fiduciary Liability Insurance for Startups](https://spot.insure/best/fiduciary/startups) - [Startup Insurance Basics](https://spot.insure/industries/startup) - [Coverage Guide: Tech E&O Insurance](https://spot.insure/coverage/technology-errors-omissions) - [All Best Tech E&O Insurance Pages](https://spot.insure/best/technology-errors-omissions) ## Sources for Tech E&O Insurance for Startups 1. [Technology insurance | Start-ups and tech companies](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology: Key features; paragraph beginning "We've combined our experience". Accessed 2026-10-01. 2. [Tech E&O Insurance for Startups](https://www.corgi.insure/tech-eo). Corgi Insurance; Scenario notes; Policy notes; Available Add-ons. Accessed 2026-10-01. 3. [Chubb DigiTech Enterprise Risk Management Policy: Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). Chubb; Form PF-48204 (10/16): §1 Applicant Information, p.1; §2 Nature of Operations, pp.2–3; §3 Current Loss Information, p.3; §7 Technology E&O, p.5. Accessed 2026-10-01. 4. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup's Journey. Accessed 2026-10-01. 5. [Tech E&O Insurance](https://www.coverdash.com/coverage/tech-eo). Coverdash; Tech E&O insurance FAQs: Do clients require Tech E&O?; How much Tech E&O coverage do I need? Accessed 2026-10-01. 6. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; Technology Errors and Omissions Insurance Cost (page last updated September 19, 2024). Accessed 2026-10-01. 7. [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/). Gallagher. Accessed 2026-09-23. 8. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers. Accessed 2026-09-23. 9. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers. Accessed 2026-09-23. 10. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai. Accessed 2026-09-23. ## How to Cite Tech E&O Insurance for Startups Best Tech E&O Insurance for Startups (2026). Spot, updated 2026-10-01. https://spot.insure/best/technology-errors-omissions/startups. Quote a provider’s claim with its numbered source. Updated 2026-10-01. ## Agent and Developer Resources - [Markdown page](https://spot.insure/best/technology-errors-omissions/startups.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)