--- title: "Technology E&O Insurance in Idaho" description: "Check Idaho’s current contract insurance template, cloud terms and digital-service dates before quoting state-facing technology work." canonical: "https://spot.insure/coverage/technology-errors-omissions/idaho" 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/idaho) # Technology E&O Insurance in Idaho Idaho’s Division of Purchasing revised its standard contract insurance requirements on April 29, 2026: they call for certificates within five business days after award and a three-year post-completion tail for claims-made policies. The state’s posted cloud terms also impose service, warranty and data-response commitments that should be compared with your contract and policy wording.[^1][^2] **Coverage:** [Technology errors and omissions (E&O)](/coverage/technology-errors-omissions) · [Idaho](/coverage/states/idaho) ## 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 Idaho ### Plan for Idaho’s Claims-Made Tail The April 29, 2026 Idaho insurance attachment requires claims-made coverage to keep a retroactive date before the contract and maintain evidence for at least three years after work ends; if coverage is cancelled or not renewed without replacement, it calls for a three-year tail. Ask the broker to confirm the available reporting period and retroactive-date continuity before accepting a state contract.[^1] ### Compare Cloud Service Commitments With Your Quote Idaho’s posted cloud terms say the service must perform materially as described, be fit for a particular purpose, and generally be restored within 24 hours after a contractor-caused service failure unless the contract says otherwise. Ask how the proposed limits, exclusions and definition of covered services compare with those specific warranties; the terms do not establish insurance response.[^2] ### Calendar Idaho’s Digital-Service Dates The Division of Purchasing says digital products or services delivered on behalf of Idaho must meet WCAG 2.1 AA requirements, with the requirements taking full effect April 24, 2027. If your deliverable includes a public-facing website or application, ask the customer to define acceptance criteria and ask the broker how professional-service claims tied to the deliverable are treated.[^3] ## Who Regulates Insurance in Idaho **Idaho Department of Insurance.** The Idaho Department of Insurance administers insurance laws and regulates insurers and licensed producers. It directs users to the NAIC State Based Systems lookup for producer and company licensing records and accepts consumer complaints.[^4][^8][^5] - [Regulator website](https://doi.idaho.gov/) - [License lookup](https://sbs.naic.org/solar-external-lookup/lookup) - [File a complaint](https://doi.idaho.gov/consumers/) - Phone: (208) 334-4250 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 1.5% of premium when Idaho is the home state for property and casualty coverage Idaho’s surplus-lines tax is 1.5%. For property-and-casualty insurance other than workers’ compensation, if Idaho is the insured’s home state the full premium is taxed regardless of where covered risks are located; other lines follow the statutory allocation rule. Surplus-lines policies do not receive Idaho guaranty-association protection.[^6][^7][^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 that the product is available in Idaho; [check the regulator’s license lookup](https://sbs.naic.org/solar-external-lookup/lookup) 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.[^10] - [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.[^11] - [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.[^12] - [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; **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 Idaho 1. Does the solicitation incorporate Idaho’s April 2026 insurance attachment, including its three-year claims-made tail? 2. What written accessibility acceptance criteria apply to our digital product before April 24, 2027? 3. How does the quote describe our cloud, implementation, restoration and warranty obligations under this Idaho contract? ## Technology Errors And Omissions (E&O) in Idaho: FAQ ### How long does Idaho’s standard contract insurance attachment require claims-made coverage after work? At least three years after completion, with the retroactive date before the contract or work start. The April 29, 2026 attachment also calls for a three-year extended reporting tail if a claims-made policy is cancelled or nonrenewed without prior-date replacement.[^1] ### When do Idaho’s digital accessibility requirements fully take effect for state vendors? April 24, 2027, for digital products or services provided on behalf of the State of Idaho, according to the Division of Purchasing’s vendor guidance. Confirm which contract deliverables are covered and how acceptance will be measured.[^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) - [Delaware](/coverage/technology-errors-omissions/delaware) - [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) - [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 Idaho](/coverage/states/idaho) ## Sources [^1]: [Insurance Requirements (Revised April 29, 2026)](https://purchasing.idaho.gov/wp-content/uploads/Insurance-Requirements.pdf) — Idaho Division of Purchasing; pp. 1–2, §§1 and 1.8; revised April 29, 2026. Accessed 2026-09-28. [^2]: [Standard Terms and Conditions for Cloud Services (January 2019)](https://purchasing.idaho.gov/wp-content/uploads/Standard-Contract-Terms-Conditions-for-Cloud-Services-January-2019.pdf) — Idaho Division of Purchasing; pp. 3–5, §§6, 9, 11–12; state page lists this template for cloud contracts awarded on or after January 1, 2019. Accessed 2026-09-28. [^3]: [Vendor Resources: Digital Accessibility Requirements](https://purchasing.idaho.gov/vendor-resources/) — Idaho Division of Purchasing; Digital Accessibility Requirements; page updated August 12, 2026. Accessed 2026-09-28. [^4]: [Idaho Department of Insurance](https://doi.idaho.gov/) — Idaho Department of Insurance; Official regulator homepage and consumer resources. Accessed 2026-09-28. [^5]: [Consumers](https://doi.idaho.gov/consumers/) — Idaho Department of Insurance; Official consumer service bureau page with File a Complaint links and published phone. Accessed 2026-09-28. [^6]: [Idaho Insurance Laws and Regulations](https://doi.idaho.gov/wp-content/uploads/ID/2026.pdf) — Idaho Department of Insurance; 2026 publication: Idaho Code § 41-1204, 1.5% premium tax and home-state allocation rule. Accessed 2026-09-28. [^7]: [Surplus Lines](https://doi.idaho.gov/industry/licensing-services/license-types/surplus-lines/) — Idaho Department of Insurance; Idaho surplus-lines broker requirement and Idaho SLA membership. Accessed 2026-09-28. [^8]: [Request Public Records](https://doi.idaho.gov/information/public/request-public-records/) — Idaho Department of Insurance; Department states that producer and insurer licensing records are maintained by State Based Systems and links to individual SBS Lookup Search. Accessed 2026-09-28. [^9]: [Surplus Lines: Facts to Know](https://doi.idaho.gov/wp-content/uploads/NewsReleases/Infographics/surplus-lines_V2.pdf) — Idaho Department of Insurance; Department publication says there is no state guaranty-association coverage for surplus-lines insurance if the company becomes insolvent. Accessed 2026-09-28. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^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). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/technology-errors-omissions/idaho.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)