Florida Technology E&O: Keep Lawsuit Deadlines Apart From Notice

Florida’s 2026 statutes list five years for actions on written instruments, four years for contract actions not founded on a written instrument, and two years for negligence. They also set a two-year, discovery-based period for nonmedical professional-malpractice actions, limited to plaintiffs in privity with the professional. These are lawsuit-filing rules; confirm your policy’s claim and notice terms separately.

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 Should You Watch for With Tech E&O Insurance in Florida?

The professional-malpractice period has a narrow scope
Florida’s two-year period for nonmedical professional-malpractice actions runs from when the cause is discovered, or should have been discovered with due diligence, and is limited to a person in privity with the professional. Don’t assume a software-services dispute fits this category; ask counsel how the claim and parties are classified, then ask your broker how your policy treats the resulting allegation. ¹
A written-contract claim has a different filing period
Florida lists five years for actions founded on a written instrument and four years for actions on a contract, obligation, or liability not founded on one, subject to statutory exceptions. If a customer agreement defines your services or promises, don’t assume its label decides the claim category; ask counsel which filing rules may apply and your broker which policy deadline applies. ¹
A Florida lawsuit can involve another state’s time bar
Florida bars maintaining an action here when the cause arose in another state or territory, or another country, and that place’s law bars the action because time has run. If you serve customers across state lines, ask counsel where a claim arose before treating Florida’s periods as controlling, and ask your broker how the policy applies to work performed in each relevant jurisdiction. ²

Which Tech E&O Insurance Providers Have Florida 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 Florida. 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. ⁹
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. ¹⁰
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. ¹¹
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. ¹⁴
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. ¹⁵
Vouch lists technology errors and omissions among the core coverages in its technology-company programs.

Who Regulates Insurance in Florida?

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 1-877-693-5236

Surplus-Lines Tax and Stamping Office in Florida

Reported tax rate. 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later ^6,^7,⁸

When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection.

Florida Surplus Lines Service Office

What Should You Ask Before Buying Tech E&O Insurance in Florida?

For a customer complaint or demand, what does this policy treat as a claim, and when and how must you report it? Ask the broker to point to the actual policy wording.
If you cancel, nonrenew, or move insurers, what reporting options apply to claims first made later about earlier work, and what retroactive date will the replacement policy show?
For contracts with customers outside Florida, which state’s law and filing rules may apply to a dispute, and how should that affect your insurance and renewal review?

Tech E&O Insurance in Florida: Frequently Asked Questions

Does Florida’s two-year period apply to every technology-services dispute?

No. Section 95.11 distinguishes written-instrument contracts, other contract actions, negligence, and nonmedical professional malpractice; the professional-malpractice period also has a privity limit. The statute does not decide how a particular dispute will be classified, so ask counsel about the facts and contract. ¹

Does a lawsuit filing period tell me when to notify my E&O insurer?

No. Sections 95.10 and 95.11 address when civil actions may be maintained. They do not state your policy’s notice deadline. Ask your broker to identify the policy’s claim definition, reporting condition, and any applicable extended reporting option. ^2,¹

Sources for Tech E&O Insurance in Florida

1
2026 Florida Statutes § 95.11, Limitations Other Than for the Recovery of Real Property. Florida Legislature, Online Sunshine; § 95.11(2)(b), (3)(j), and (5)(a)–(b); history through 2025 ch. 153. Accessed 2026-09-28.
2
2026 Florida Statutes § 95.10, Cause of Action Arising in Another State. Florida Legislature, Online Sunshine; § 95.10; cause arising in another jurisdiction and time-barred under its law. Accessed 2026-09-28.
3
Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
4
Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
5
Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
6
Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
7
FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
8
Surplus Lines Search. Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. Accessed 2026-09-28.
9
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. 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. 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. 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. 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
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.
15
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.

Florida Technology E&O: Keep Lawsuit Deadlines Apart From Notice

What Is Tech E&O Insurance?

What Should You Watch for With Tech E&O Insurance in Florida?

The professional-malpractice period has a narrow scope

A written-contract claim has a different filing period

A Florida lawsuit can involve another state’s time bar

Which Tech E&O Insurance Providers Have Florida License Records?

At-Bay

Coalition

Corgi

TechInsurance

Vouch