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What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review.

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What Does Technology Errors and Omissions (E&O) Insurance Cover?

A billing-software error or failed installation can cost a customer money even when no one is injured and no property is damaged. 4,5

If a customer says your technology product or service caused financial loss, technology E&O can help your business respond to the covered claim. 2,4,5

Financial Loss From Products and Services

Ask whether the quote addresses a customer’s purely financial loss from a product or service problem, not only bodily injury or property damage. 4,5

Compare the Activities Insured

Technology errors and omissions is a form of professional liability aimed at technology products and services; compare the activities insured rather than relying only on the policy label. 1,2
Situation to describeActivity to match in the quote
Hosted billing software that miscalculates invoicesSoftware, hosting or cloud work you actually perform
Hardware installation that takes a shop offlineInstallation, integration or hardware services
Advice given in a licensed professional practiceThe professional services named in that quote

Who Needs Technology Errors and Omissions (E&O) Insurance?

Consider tech E&O if you develop software, host systems, provide technology advice or install and integrate products for customers. 6

Technology Errors and Omissions (E&O) Insurance Coverage Examples

What happened

A Software Update Stops Customer Orders

A release breaks your customer’s ordering system, and they claim the outage cost them sales.

How coverage may help

Tech E&O may cover a claim that your software error caused financial loss. The service must be insured, and defense costs may use part of the claim limit. 2,4,5,3,6

What happened

A Customer Demands Service Credits

After downtime, a customer demands contractual service credits and damages for an alleged development error.

How coverage may help

Contractual promises and liability for a development mistake can be treated differently. The policy and customer agreement determine which parts of the demand may be covered. 2,4,5,6

How Do You Compare Technology Errors and Omissions (E&O) Insurance Coverage and Costs?

Match the Work You Actually Do

Describe each technology service you sell. If you develop software, host it and send technicians to install hardware, all three activities belong in the application. Coverage naming software development doesn't by itself establish protection for hosting or installation. 3,6

Limits, Defense Costs and Timing

Compare the each-claim limit, the aggregate limit, the retention, and whether defense costs reduce the available limit. 6 Ask whether the quote is claims-made, when a claim must be made and reported, what retroactive date applies, and whether an extended reporting period is available after the policy ends. 6,3,2

What Contract and Cyber Questions Matter?

Contracts and Liability Caps

Bring customer contracts, licenses and limitation-of-liability clauses, and ask how the quote treats a claim that you failed to meet a contractual promise. 4,6

Cyber Incidents Versus Failed Deliverables

Technology errors and omissions (E&O) concerns mistakes in products or services; cyber coverage addresses incidents such as a data breach or network-security failure. Check whether the quote includes one, the other, or both. 2,4,7

How Does Technology Errors and Omissions (E&O) Insurance Compare With Related Coverage?

Compare technology errors and omissions (E&O) with professional errors and omissions, cyber, media and general liability so each concern (a failed deliverable, a licensed professional service, a data incident, a content allegation, or bodily injury and property damage) has an identified place in the insurance discussion. 2,4,5
ConcernPlace in the discussion
A failed technology deliverable that causes a customer financial lossTechnology errors and omissions (E&O)
A licensed professional service, such as tax adviceProfessional errors and omissions (E&O)
A data breach or network-security failureCyber
A content or advertising allegationMedia
Bodily injury or property damageGeneral liability

What Do You Need for Technology Errors and Omissions (E&O) Insurance Quotes?

Prepare a description of products and services and how they generate revenue, sample customer contracts, quality-control and security practices, use of subcontractors, prior incidents or circumstances, and the limits you want to discuss. 6

Describe Products, Contracts and Incidents

PrepareHow to use it
Products and services, and how they generate revenueMatch the quote to consulting, programming, software, hardware, integration, installation, hosting or cloud work
Sample customer contracts, licenses and limitation-of-liability clausesAsk how a claim that you missed a contractual promise is treated
Quality-control and security practicesSeparate a failed deliverable from a data or network incident
Use of subcontractorsIdentify whose work is being discussed
Prior incidents or circumstancesGive the broker a current picture
Limits you want to discussCompare each-claim and aggregate amounts, retention and defense-cost treatment
6 3,6 6 6,3,2

Technology Errors and Omissions (E&O) Insurance: Key Terms in Plain English

Retroactive Date

A date used to determine which earlier work a claims-made policy can cover. 6,3,2

Aggregate Limit

The overall policy limit, considered alongside the each-claim limit and any defense costs that use it. 6

Technology Errors and Omissions (E&O) Insurance: A Policy Example to Compare

See Corgi's guide for an example of one provider's coverage terms and optional extensions.

Frequently Asked Questions About Technology Errors and Omissions (E&O) Insurance

Is Tech E&O the Same as Cyber Insurance?

No. Tech E&O concerns mistakes in technology products or services. Cyber addresses incidents such as data breaches and security failures. A package may include both. 2,4,7

Does Earlier Work Count When I Change Insurers?

It can, but the retroactive date and claims-made reporting terms matter. Check continuity before replacing the policy and ask about an extended reporting period if coverage ends. 6,3,2

Does Technology E&O Cover Every Breach of Contract?

Breach of contract isn't automatically covered. Bring customer contracts, licenses and limitation-of-liability clauses so the insurer can explain how the proposed wording treats a failure to meet those promises. 4,6

Is Technology E&O Only for Software Developers?

No. Relevant activities can include technology consulting, hardware development, systems integration, installation, hosting and cloud services. Compare the work you actually do with the activities named in the quote. 3,6

Does Professional Liability Cover Bad Advice?

Yes, that's its core purpose: professional liability covers a client's financial loss from negligent advice, as long as the advice falls within the services your policy lists.

Read the full answer

Does Professional Liability Cover Bodily Injury?

Usually no: bodily injury claims belong on general liability or a specialized policy, and many professional liability forms exclude them outright.

Read the full answer

Does Professional Liability Cover Breach of Contract?

Only partly: it covers a contract claim that really alleges negligent work, but many policies exclude liability you took on only through the contract, such as guarantees.

Read the full answer

Does Professional Liability Cover Copyright Infringement?

Some E&O forms exclude copyright, while certain technology E&O products add limited IP protection; the policy wording controls.

Read the full answer

Does Professional Liability Cover Data Breaches?

Many E&O policies exclude some privacy and security events; cyber coverage may address breach response and liability under separate terms.

Read the full answer

Does Professional Liability Cover Financial Loss?

Professional E&O may cover a client’s financial-loss claim from services, subject to the policy’s damages definition and exclusions.

Read the full answer

Does Professional Liability Cover Legal Fees?

Often, for covered professional claims; defense costs, counsel selection, limits, and claim triggers differ by policy.

Read the full answer

Does Professional Liability Cover Missed Deadlines?

A missed deadline may be covered if it is an error in insured services that causes covered client loss; delay penalties may be excluded.

Read the full answer

View all 38 questions

Questions to Resolve Before Buying

Choose the named state in the coverage-by-state section below to open its buying guide.

What Coverage Is Related to Tech E&O Insurance?

  • What Is Professional Errors and Omissions (E&O) Insurance?

    Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms.

  • What Is Cyber Insurance?

    Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules.

  • What Is Media Liability Insurance?

    Media liability can help pay defense costs for claims about content you create or distribute, such as allegations of defamation or infringement. Consider it if you publish or produce content for your business or clients; match the quote to each activity.

  • What Is General Liability Insurance?

    General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage.

Tech E&O Insurance Guides by State

Which Insurance Providers Offer Tech E&O Insurance?

  • AIG

    AIG Technology Services E&O; the page separately identifies coverage for technology-service performance errors or omissions. Membership only, not a detailed accepted Tech E&O offering.

  • Alliance Risk

    Alliance Risk arranges technology errors and omissions insurance.

  • Amelia Risk

    Amelia Risk arranges technology errors and omissions insurance for technology businesses.

  • At-Bay

    At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.

  • Beazley

    Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies.

  • Berkshire Hathaway Specialty Insurance

    Professional First materials identify Technology E&O as a professional-liability product.

  • CFC

    CFC offers technology errors and omissions for technology businesses.

  • Chubb

    Chubb offers technology errors and omissions insurance through DigiTech ERM for technology companies.

  • CNA

  • Coalition

    Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.

  • Corgi

    Corgi lists technology errors and omissions insurance for technology products and services.

  • Coverdash

    Coverdash lists technology errors and omissions in its Professional & Management catalog, separately from professional liability.

  • Cowbell

    Cowbell markets combined technology errors and omissions and cyber coverage, plus follow-form excess, for technology businesses with revenue up to $1 billion.

  • Embroker

    Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses.

  • Foxquilt

    Technology/creative class within broader E&O; no separate technology form established.

  • Gallagher

    Gallagher arranges technology errors and omissions insurance for technology businesses.

  • HUB International

    HUB International arranges technology errors and omissions insurance.

  • Liberty Mutual

    A group brand spanning personal and commercial insurance businesses; its business unit pages describe small-commercial cover for small businesses and commercial, specialty, surety, and reinsurance solutions for mid-size and large businesses.

  • Markel Insurance

    Markel Cyber 360 technology professional liability component (standalone product not established)

  • Marsh

    Marsh arranges technology errors and omissions insurance.

  • Newfront

    Newfront lists technology errors and omissions among its cyber-risk placement coverages.

  • Relm Insurance

    Relm lists technology errors and omissions insurance for placement through brokers.

  • Resilience

    Resilience markets technology errors and omissions insurance for US businesses with $25 million to $10 billion in revenue.

  • RiskCube

    RiskCube arranges technology errors and omissions insurance for startups.

  • Risklytics

    Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses.

  • StartupInsurance.ai

    StartupInsurance.ai arranges technology errors and omissions insurance for startups.

  • TechInsurance

    TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.

  • The Hartford

    The Hartford offers technology errors and omissions coverage through its FailSafe product.

  • Travelers

    Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies.

  • USI Insurance Services

    USI arranges technology errors and omissions insurance.

  • Vouch

    Vouch lists technology errors and omissions among the core coverages in its technology-company programs.

  • Zurich U.S.

    Zurich markets technology errors and omissions insurance.

Updated .

Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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