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Technology E&O in Connecticut

Connecticut’s Unfair Trade Practices Act applies to unfair or deceptive acts in trade or commerce, and a private claimant must show an ascertainable loss. In Ulbrich v. Groth, the Connecticut Supreme Court explained that a contractual breach can support a CUTPA claim when accompanied by intentional, reckless, unethical, or unscrupulous conduct; mere negligent or incompetent performance is insufficient. For a technology buyer, keep ordinary service-delivery evidence separate from specific sales representations, billing conduct, or other aggravating facts. Ask the broker how the actual policy wording treats contract claims, alleged misrepresentations, and any CUTPA claim; the statute does not establish coverage. 1,2,3

What Is Technology Errors And Omissions (E&O)?

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. Read the national Technology errors and omissions (E&O) guide.

What to Watch for in Connecticut

  • A service breach needs more than poor performance for a CUTPA theory

    Ulbrich says a breach may support CUTPA when the conduct is intentional, reckless, unethical, or unscrupulous; a negligent or incompetent breach alone is not enough. The decision came from a commercial property sale, so it does not decide whether any particular software failure meets that standard. Preserve evidence distinguishing a missed service commitment from knowingly false capability statements or other separate conduct. 3,1

  • Private CUTPA recovery requires an ascertainable loss

    Section 42-110g(a) authorizes a private action for a person who suffers an ascertainable loss of money or property as a result of a prohibited practice. Record the service or deliverable at issue, the disputed representation or conduct, and the claimed financial effect. A provider’s breach and a claimed CUTPA violation are separate questions. 2,3

  • The state-law label does not define what E&O will pay

    A CUTPA theory may arise from conduct surrounding a technology contract, but it does not itself establish that defense costs, statutory remedies, or promised contract damages are insured. Ask the broker to identify the proposed policy’s covered-damages language, contractual-liability and intentional-conduct exclusions, defense-cost treatment, and reporting requirements using the actual form. 2,3

Who Regulates Insurance in Connecticut

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request. 7,8,9

Providers With Documented State Licenses

These providers publish a national listing for Technology errors and omissions (E&O); the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Connecticut. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. 10
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 11
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 16

Questions to Ask Before You Buy in Connecticut

  1. Do the contract, proposal, demo, and implementation records show which software functions and delivery dates were guaranteed and which depended on customer assumptions?
  2. Which allegations would the broker consider a contract-only dispute, and which would trigger review of the policy’s misrepresentation, professional-services, or statutory-liability wording?
  3. Does the proposed form address defense costs and any covered remedies for a CUTPA claim, subject to its exclusions and conditions?

Technology Errors And Omissions (E&O) in Connecticut: FAQ

Does a missed Connecticut software-service commitment automatically violate CUTPA? 3

No. Ulbrich requires aggravating conduct such as intentional, reckless, unethical, or unscrupulous behavior; mere negligent or incompetent contract performance is not enough under that rule. 3

What does a private CUTPA claimant need to show about loss? 2

Section 42-110g(a) requires an ascertainable loss of money or property resulting from a prohibited practice. The statute’s elements do not determine whether an insurance policy covers a resulting claim. 2

Technology Errors And Omissions (E&O) in Other States

Other Coverage in Connecticut

Sources

  1. Connecticut General Statutes § 42-110b, Unfair Trade Practices. Connecticut General Assembly; Subsection (a), unfair or deceptive acts or practices in the conduct of any trade or commerce; chapter text opened and reviewed. Accessed 2026-09-28.
  2. Connecticut General Statutes § 42-110g, Action for damages. Connecticut General Assembly; Subsection (a), private action and ascertainable-loss requirement; chapter text opened and reviewed. Accessed 2026-09-28.
  3. Ulbrich v. Groth, 310 Conn. 375, 78 A.3d 76. Supreme Court of Connecticut (opinion text); Opinion issued August 20, 2013, Part II, especially discussion that contractual breach accompanied by intentional, reckless, unethical, or unscrupulous conduct may support CUTPA; full opinion opened and relevant holding reviewed. Accessed 2026-09-28.
  4. Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
  5. Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
  6. Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
  7. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
  8. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
  9. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  16. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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