Technology E&O in the District of Columbia

The District’s Consumer Protection Procedures Act lists false representations about a service’s characteristics, benefits, or quality and material omissions among unlawful practices. Its “person” and “merchant” definitions include companies and commercial suppliers, while the “consumer” and “consumer goods or services” definitions frame the protected transaction; the private action is brought by a consumer. A business buying hosted software or implementation should therefore have counsel assess how its actual use and the vendor relationship fit those definitions instead of assuming every B2B contract is covered. Preserve capability claims and service terms. Ask the broker how the proposal treats allegations framed as misleading service descriptions, contract breach, or statutory claims.

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

What to Watch for With Tech E&O in District of Columbia

The buyer’s role and intended use matter under the CPPA
D.C. Code § 28-3901 defines “person” to include corporations and other legal entities, and “merchant” includes persons who supply the subject of a trade practice. The statute’s “consumer” definition covers a person who purchases or receives goods or services other than for resale or otherwise provides the economic demand, while the adjective “consumer” ties goods and services to personal, household, or family use. A business buyer’s software use should be analyzed under those definitions; entity status alone does not resolve the question. ^1,³
The statute names service-capability and quality representations
Section 28-3904 includes misrepresenting a service’s source, characteristics, uses, or benefits; claiming a standard or quality the service does not meet; and omitting a material fact when the omission tends to mislead. Compare customer-facing descriptions of integrations, security features, migration, availability, and support with the signed service terms and actual delivery record. ^2,¹
The CPPA does not establish insurance response
Whether a buyer can pursue the CPPA and whether an E&O policy responds are separate questions. Ask the broker to identify the policy’s definitions of claim and covered damages, contractual-liability and intentional-conduct exclusions, defense-cost treatment, and notice requirements for a District consumer or regulator matter. ^3,²

Which Tech E&O Providers Have District of Columbia License Records?

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

At-Bay
Insurance producer, Surplus-lines broker · checked 2026-09-28
At-Bay Insurance Services LLC
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. ¹²
At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.
Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
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. ¹³
Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.
Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹⁴
Corgi lists technology errors and omissions insurance for technology products and services.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
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. ¹⁷
TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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. ¹⁸
Vouch lists technology errors and omissions among the core coverages in its technology-company programs.

Who Regulates Insurance in District of Columbia?

District of Columbia Department of Insurance, Securities and Banking

DISB licenses and supervises insurance companies and producers, enforces District insurance laws, and provides consumer complaint assistance. Its licensing search covers insurance entities and representatives; consumers can contact the agency’s complaints unit for help. ^5,^6,⁸

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (202) 727-8000

Surplus-Lines Tax and Stamping Office in District of Columbia

Reported tax rate. Generally 2% of gross premium, including qualifying placement fees ^7,^9,^10,^11,⁴

When the District is the insured’s home state, surplus-lines agents and brokers generally owe a 2% tax on gross premium, including necessary fees incidental to placement when separately itemized. An agent or broker procuring insurance on behalf of the District government is exempt for that government business; claiming the exemption requires identifying its allocation in the required affidavit and does not waive other statutory duties. Ask the broker which taxes and fees your agreement passes through to you. DISB generally requires a diligent effort to place risks with authorized insurers. For a purchaser meeting the federal exempt-commercial-purchaser definition, the broker may skip that search only after disclosing that insurance may or may not be available from the admitted market, which may provide greater protection with more regulatory oversight, followed by the purchaser’s written request for nonadmitted placement. This record does not state a District-specific guaranty-fund conclusion.

Questions to Ask Before You Buy Tech E&O in District of Columbia

Does counsel consider your buyer entity and the actual business use of the software a consumer transaction under the District’s statutory definitions?
Do your demo, website, proposal, and service agreement use the same descriptions for capabilities, service quality, support, and data handling?
Would the broker treat a District customer’s alleged misleading service statement differently from a claim limited to failure to meet a written contract commitment?

Tech E&O Insurance in District of Columbia: Frequently Asked Questions

Does the D.C. CPPA automatically cover every software contract signed by a company?

The statute includes legal entities within “person” and commercial suppliers within “merchant,” but its consumer and consumer-goods-or-services definitions also address the transaction’s demand and intended use. A business purchase is not resolved by entity status alone. ^1,³

Does the D.C. CPPA address claims about software-service quality?

Section 28-3904 lists misrepresentations about services’ characteristics, benefits, standards, or quality, along with material omissions that tend to mislead. A specific service dispute must still meet the statute’s elements and claimant requirements. ^2,³

Sources for Tech E&O Insurance in District of Columbia

1
D.C. Code § 28-3901, Definitions and purposes. D.C. Law Library; Subsection (a)(1)–(3), person, consumer, and merchant; (a)(7), goods and services; subsection (c), consumer information purpose; full current code page opened. Accessed 2026-09-28.
2
D.C. Code § 28-3904, Unfair or deceptive trade practices. D.C. Law Library; Introductory text and subsections (a), (d), (e), and (f): service characteristics, standards, material representations, and omissions; full current code page opened. Accessed 2026-09-28.
3
D.C. Code § 28-3905, Complaint procedures. D.C. Law Library; Subsection (k)(1)(A), consumer private action; (k)(1)(B)–(D), testing and public-interest paths; full current code page opened. Accessed 2026-09-28.
4
D.C. Code §31–2502.40: License to procure policies from unauthorized companies. Council of the District of Columbia; Subsection (a): broker/agent tax and diligent effort; (c)(1)–(3): District-government procurement tax exemption, allocation statement and continuing duties. Accessed 2026-09-28.
5
Department of Insurance, Securities and Banking. District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28.
6
Verify a Financial Institution or Representative Licensed with DISB. District of Columbia DISB; Official license verification for companies and representatives. Accessed 2026-09-28.
7
Surplus Line Information. District of Columbia DISB; Current 2% tax base including incidental placement fees; fees must be necessary and separately itemized; diligent-effort rule. Accessed 2026-09-28.
8
File a Complaint or Report Fraud. District of Columbia DISB; Official insurance complaint information and filing form. Accessed 2026-09-28.
9
15 U.S.C. §8201: Reporting, payment, and allocation of premium taxes. U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a): exclusive insured home-State authority to require nonadmitted premium tax; (c): separate allocation reporting. Accessed 2026-09-28.
10
15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; §8205(1)-(2): admitted-market disclosure about possible availability, greater protection and oversight followed by the qualified purchaser’s written request; eligibility separately defined in §8206(5). Accessed 2026-09-28.
11
15 U.S.C. §8206: Definitions. U.S. House of Representatives, Office of the Law Revision Counsel; §8206(5) exempt-commercial-purchaser criteria; (6) home State and affiliated-insured rules; (13) qualified risk manager. Accessed 2026-09-28.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
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.
14
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.
15
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.
16
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.
17
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.
18
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.

Technology E&O in the District of Columbia

What Is Tech E&O Insurance?

What to Watch for With Tech E&O in District of Columbia

The buyer’s role and intended use matter under the CPPA

The statute names service-capability and quality representations

The CPPA does not establish insurance response

Which Tech E&O Providers Have District of Columbia License Records?

At-Bay

Coalition

Corgi

TechInsurance

Vouch