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

Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.

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

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. 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

Coverage Examples

These are examples, not coverage guarantees. Your policy terms and the facts of the claim determine what is covered.

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 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 It 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 a Quote?

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

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

A Policy Example to Compare

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

Frequently Asked Questions

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?

No automatic protection applies to every contractual promise. 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

Which Insurance Providers Offer Technology errors and omissions (E&O)?

Sources

  1. Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
  2. Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Version: SPD-SP048 August 2025. Accessed 2026-09-16.
  3. Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Version: Group 73600 Award 22802; January 2018. Accessed 2026-09-16.
  4. Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Version: Page last updated September 19, 2024. Accessed 2026-09-16.
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  6. Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Version: PF-48204 (10/16). Accessed 2026-09-16.
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Updated .

Sources checked .

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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