---
title: "Technology E&O Insurance in Kentucky"
description: "Compare Kentucky utility technology contracts with the state’s narrower data-breach duties for information holders."
canonical: "https://spot.insure/coverage/technology-errors-omissions/kentucky"
page-type: "coverage-state-guide"
updated-at: "2026-09-28"
---

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# Technology E&O Insurance in Kentucky

A 2023–24 smart-meter services agreement filed with the Kentucky Public Service Commission tied a $5 million combined cyber and technology E&O limit to work performed under that agreement. Kentucky’s breach statute separately requires an information holder to notify the owner or licensee when covered unencrypted personal information it maintains for them is breached.[^1][^2]

**Coverage:** [Technology errors and omissions (E&O)](/coverage/technology-errors-omissions) · [Kentucky](/coverage/states/kentucky)

## 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 Kentucky

### Check Whether Your Utility Work Matches the Contract Scope

The Aclara agreement filed in Kentucky’s 2024 utility case required combined cyber risk and technology E&O for the vendor’s services; the cyber wording addressed breaches, unauthorized access, privacy and downtime. It applies only to that agreement, but provides a concrete checklist if you build or support utility systems: compare SOW services, data duties and required limit structure.[^1]

### Compare the Liability Cap With the Insurance Schedule

The same agreement separately capped each party’s liability at payments under the applicable SOW or purchase order and excluded several damage categories. Ask counsel and the broker to compare the agreement’s cap, exclusions and required insurance without assuming the insurance restores excluded contract damages.[^1]

### Put Owner Notice Into the Data-Hosting Plan

Kentucky KRS §365.732 requires an information holder that maintains covered personal information it does not own to notify the owner or licensee as soon as reasonably practicable after a qualifying breach. The statute is limited to defined unencrypted identifiers and breach conditions; map exactly what your service stores and who alerts the customer.[^2]

## Who Regulates Insurance in Kentucky

**Kentucky Department of Insurance.** The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue.[^3][^4][^5]

- [Regulator website](https://insurance.ky.gov/ppc/new_default.aspx)
- [License lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx)
- [File a complaint](https://insurance.ky.gov/ppc/forms/complaints_home.aspx)
- Phone: 800-595-6053 (option 1, Kentucky only)

### Surplus-Lines Tax and Stamping Office

**Reported tax rate:** 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines.[^6][^9][^7][^8][^10]

## 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 Kentucky; [check the regulator’s license lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) 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.[^11]
- [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.[^12]
- [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.[^13]
- [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.[^16]
- [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.[^17]

## Questions to Ask Before You Buy in Kentucky

1. Does the Kentucky utility SOW require a combined $5 million cyber and technology E&O limit, or different terms?
2. Does our contract cap liability by SOW payments while requiring higher insurance, and how do those provisions interact?
3. Which covered Kentucky identifiers do we maintain for the customer, and how quickly must we notify the owner after a breach?

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

### What technology E&O limit appeared in the Kentucky Aclara services agreement?

$5 million combined aggregate for cyber risk liability and technology errors and omissions, for the services in that agreement. The same clause specifically describes network risks, but it is not a statewide requirement.[^1]

### What must a Kentucky vendor do if it maintains a customer’s covered personal information?

An information holder maintaining computerized personal information it does not own must notify the owner or licensee as soon as reasonably practicable after discovering a qualifying breach. The statute limits the identifiers and breach conditions covered, so confirm your data and role.[^2]

## 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)
- [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)
- [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 Kentucky](/coverage/states/kentucky)

## Sources

[^1]: [Advanced Metering Infrastructure Application with Aclara Customer Agreement](https://psc.ky.gov/pscecf/2024-00013/heather%40hloky.com/01262024041401/AMI_CPCN_App_w_Exh_FINAL.pdf) — Kentucky Public Service Commission, Case No. 2024-00013; Aclara Customer Agreement, §§11.1(c), 12.1–12.2; agreement schedule identifies 2023–24 project procurement dates. Accessed 2026-09-28.
[^2]: [KRS §365.732, Notice of Security Breach](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=43326) — Kentucky General Assembly, Legislative Research Commission; §365.732(1)–(4); information-holder definition, covered identifiers, owner notice and law-enforcement delay. Accessed 2026-09-28.
[^3]: [Kentucky Department of Insurance](https://insurance.ky.gov/ppc/new_default.aspx) — Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28.
[^4]: [Insurance License Lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) — Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
[^5]: [File an Insurance Complaint](https://insurance.ky.gov/ppc/forms/complaints_home.aspx) — Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28.
[^6]: [KRS 304.10-180](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=48240) — Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28.
[^7]: [Local Government Premium Taxes](https://insurance.ky.gov/ppc/new_default.aspx?divid=13) — Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28.
[^8]: [KRS 304.10-090](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=16989) — Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28.
[^9]: [KRS 136.392](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=50265) — Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28.
[^10]: [Surplus Lines](https://insurance.ky.gov/ppc/new_default.aspx?divid=24) — Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. Accessed 2026-09-28.
[^11]: [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.
[^12]: [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.
[^13]: [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.
[^14]: [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.
[^15]: [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.
[^16]: [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.
[^17]: [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.

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