--- title: "Technology E&O in Delaware" description: "Delaware’s Consumer Fraud Act expressly includes services and now states that covered unfair or deceptive conduct may occur after the transaction." canonical: "https://spot.insure/coverage/technology-errors-omissions/delaware" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- 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/coverage/technology-errors-omissions/delaware) # Technology E&O in Delaware Delaware defines merchandise under its Consumer Fraud Act to include intangibles and services, and “person” includes corporations and other commercial entities. Since July 23, 2026, § 2513 expressly says covered unfair or deceptive conduct may occur before, during, or after a sale, lease, receipt, or advertisement. That timing language can matter when a hosted-service provider allegedly misstates support, renewal, or remediation obligations after signing; it does not make an ordinary breach automatically deceptive or answer who qualifies as a statutory victim. Preserve post-sale support and billing communications alongside the contract. Ask the broker how the policy handles alleged post-contract misrepresentation, contract performance, and related claims.[^1][^2][^3] **Coverage:** [Technology errors and omissions (E&O)](/coverage/technology-errors-omissions) · [Delaware](/coverage/states/delaware) ## 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](/coverage/technology-errors-omissions). ## What to Watch for in Delaware ### The current statute expressly reaches conduct after the transaction Effective July 23, 2026, 6 Del. C. § 2513(c) defines “in connection with” to include unfair or deceptive conduct before, during, or after a sale, lease, receipt, or advertisement. This followed the Delaware Supreme Court’s December 2025 decision narrowing the earlier text to pre-transaction or transaction conduct. For an ongoing software or hosting contract, preserve records of post-sale support promises, renewal statements, remediation commitments, and billing communications.[^1][^2] ### Intangible technology services fall within the statutory subject matter Section 2511 defines merchandise to include intangibles and services and defines a person to include corporations and other legal or commercial entities. Section 2525 provides a private cause of action to a victim of a subchapter violation. Those provisions make technology offerings relevant subject matter, but each claimant and practice still must satisfy the law; the definitions do not turn every service-level dispute into fraud.[^1][^3] ### Statutory timing does not determine liability or insurance The 2026 amendment expands the timing language for conduct that is otherwise unfair or deceptive; it does not declare routine nonperformance unlawful. Compare the signed service description and change history with the actual support, uptime, renewal, and remediation statements. Ask the broker to identify how the proposed policy treats statutory allegations, ordinary contract remedies, and post-contract conduct.[^1][^2] ## Who Regulates Insurance in Delaware **Delaware Department of Insurance.** The Delaware Department of Insurance licenses and regulates insurers and insurance producers, reviews regulated insurance activity, and handles complaints. Its consumer division can help you raise an insurance concern and its services page links to official license searches.[^4][^5][^6] - [Regulator website](https://insurance.delaware.gov/) - [License lookup](https://insurance.delaware.gov/services/) - [File a complaint](https://insurance.delaware.gov/divisions/consumerhp/) - Phone: (800) 282-8611 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium, less return premium, when Delaware is the home state When Delaware is the insured’s home state, its 3% surplus-lines premium tax applies to the entire premium of a multistate policy, less returned premiums and excluding federal and state taxes and examination fees. Ask the surplus-lines broker to confirm the home-state determination and tax calculation, and separately explain how exposures are allocated in the required reports; those allocations do not reduce the premium subject to Delaware’s tax.[^7][^8] ## 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 that the product is available in Delaware; [check the regulator’s license lookup](https://insurance.delaware.gov/services/) and confirm state availability for your business when requesting a quote. - [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** At-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.[^9] - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’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.[^10] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’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.[^11] - [RiskCube](/insurance-providers/riskcube) — **Entity:** RiskCube Insurance Services, LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** RiskCube’s license page, effective February 11, 2026, lists property-and-casualty producer/broker licenses in California and Delaware and names NPN 21694336. The company says it is expanding its licensing footprint; no other states are listed.[^14] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’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] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’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 Delaware 1. Does the contract identify whether uptime, support response, data export, renewal, and remediation statements are binding service commitments or separate sales descriptions? 2. If a Delaware customer alleges that a post-sale support or remediation statement was misleading, what policy definition, exclusion, and reporting condition would the broker apply? 3. How are related allegations across a continuing hosted-services relationship treated under the policy’s related-claims and prior-knowledge wording? ## Technology Errors And Omissions (E&O) in Delaware: FAQ ### Can Delaware’s Consumer Fraud Act concern conduct after a technology contract is signed? Yes. Section 2513(c), effective July 23, 2026, expressly includes qualifying unfair or deceptive conduct occurring after a sale, lease, receipt, or advertisement. A routine breach still does not automatically meet the statute’s other requirements.[^1][^2] ### Does Delaware’s Act exclude intangible software and services? No. Section 2511 includes intangibles and services in “merchandise” and includes corporations and other commercial entities in “person.” Whether a particular practice gives a particular buyer a claim remains a separate question.[^1][^3] ## Technology Errors And Omissions (E&O) in Other States - [Alabama](/coverage/technology-errors-omissions/alabama) - [Alaska](/coverage/technology-errors-omissions/alaska) - [Arizona](/coverage/technology-errors-omissions/arizona) - [Arkansas](/coverage/technology-errors-omissions/arkansas) - [California](/coverage/technology-errors-omissions/california) - [Colorado](/coverage/technology-errors-omissions/colorado) - [Connecticut](/coverage/technology-errors-omissions/connecticut) - [District of Columbia](/coverage/technology-errors-omissions/district-of-columbia) - [Florida](/coverage/technology-errors-omissions/florida) - [Georgia](/coverage/technology-errors-omissions/georgia) - [Hawaii](/coverage/technology-errors-omissions/hawaii) - [Idaho](/coverage/technology-errors-omissions/idaho) - [Illinois](/coverage/technology-errors-omissions/illinois) - [Indiana](/coverage/technology-errors-omissions/indiana) - [Iowa](/coverage/technology-errors-omissions/iowa) - [Kansas](/coverage/technology-errors-omissions/kansas) - [Kentucky](/coverage/technology-errors-omissions/kentucky) - [Louisiana](/coverage/technology-errors-omissions/louisiana) - [Maine](/coverage/technology-errors-omissions/maine) - [Maryland](/coverage/technology-errors-omissions/maryland) - [Massachusetts](/coverage/technology-errors-omissions/massachusetts) - [Michigan](/coverage/technology-errors-omissions/michigan) - [Minnesota](/coverage/technology-errors-omissions/minnesota) - [Missouri](/coverage/technology-errors-omissions/missouri) - [Montana](/coverage/technology-errors-omissions/montana) - [Nebraska](/coverage/technology-errors-omissions/nebraska) - [Nevada](/coverage/technology-errors-omissions/nevada) - [North Carolina](/coverage/technology-errors-omissions/north-carolina) - [Ohio](/coverage/technology-errors-omissions/ohio) - [Oregon](/coverage/technology-errors-omissions/oregon) - [Rhode Island](/coverage/technology-errors-omissions/rhode-island) - [South Carolina](/coverage/technology-errors-omissions/south-carolina) - [South Dakota](/coverage/technology-errors-omissions/south-dakota) - [Texas](/coverage/technology-errors-omissions/texas) - [Vermont](/coverage/technology-errors-omissions/vermont) - [Virginia](/coverage/technology-errors-omissions/virginia) - [Washington](/coverage/technology-errors-omissions/washington) - [West Virginia](/coverage/technology-errors-omissions/west-virginia) - [Wisconsin](/coverage/technology-errors-omissions/wisconsin) [Other Coverage in Delaware](/coverage/states/delaware) ## Sources [^1]: [Delaware Code, Title 6, Chapter 25, Subchapter II: Consumer Fraud](https://delcode.delaware.gov/title6/c025/sc02/) — Delaware General Assembly; 6 Del. C. §§ 2511(6)–(7) (services/intangibles; person), 2512 (purpose), and 2513(a), (c) (unlawful practices and before/during/after timing); full official code chapter opened. Accessed 2026-09-28. [^2]: [Senate Bill 297, 153rd General Assembly, Delaware](https://www.legis.delaware.gov/BillDetail?legislationId=143213) — Delaware General Assembly; Official SB 297 record and enacted chapter 85, volume 362; signed July 23, 2026, effective July 23, 2026; § 1 adds § 2513(c) and synopsis describes post-transaction scope and response to Blue Beach Bungalows. Accessed 2026-09-28. [^3]: [Delaware Code § 2525, Private cause of action](https://delcode.delaware.gov/title6/c025/sc02/) — Delaware General Assembly; Subsection (a), private cause available to any victim of a violation; full official statutory text opened. Accessed 2026-09-28. [^4]: [Delaware Department of Insurance](https://insurance.delaware.gov/) — Delaware Department of Insurance; Official Department homepage and regulatory resources. Accessed 2026-09-28. [^5]: [Services](https://insurance.delaware.gov/services/) — Delaware Department of Insurance; Department service directory links to the state insurance licensee search. Accessed 2026-09-28. [^6]: [Consumer Services](https://insurance.delaware.gov/divisions/consumerhp/) — Delaware Department of Insurance; Complaint filing and consumer assistance; publishes Consumer Services phone. Accessed 2026-09-28. [^7]: [Surplus Lines Bulletin 22](https://insurance.delaware.gov/wp-content/uploads/sites/15/2025/10/linesbull22.pdf) — Delaware Department of Insurance; Surplus Lines Bulletin 22 (October 2025; printed day is blank), reproducing 18 Del. C. § 1925: home-state tax treatment, all premium on multistate policy if Delaware is home state, 3% rate, and exclusion of federal/state taxes and examination fees from gross premium. Accessed 2026-09-28. [^8]: [Delaware Code, Title 18, §§1923–1925](https://delcode.delaware.gov/title18/c019/sc02/) — Delaware General Assembly; §1923(a)(1),(12) home-state verification and allocation records; §1924(b)(3)–(6) separate premium reporting; §1925(b)–(c) 3% tax, deductions/exclusions and full multistate premium when Delaware is home state. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^13]: [Licenses](https://www.nextinsurance.com/insurance-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. [^14]: [Licenses & Disclosures](https://riskcubeai.com/licenses) — RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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