--- title: "Technology E&O Insurance in Maryland" description: "Maryland’s computer-information statute lets a contract limit remedies, and it treats a ban on personal-injury consequential damages in a consumer software contract as prima facie unconscionable." canonical: "https://spot.insure/coverage/technology-errors-omissions/maryland" page-type: "coverage-state-guide" updated-at: "2026-09-29" coverage-line: "technology-errors-omissions" state: "maryland" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/maryland) ## Agent Guide **What this page is:** Technology Errors Omissions guide for Maryland: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering technology errors omissions questions specific to Maryland. For the general concept, use /coverage/technology-errors-omissions; for other coverage in Maryland, use /coverage/states/maryland. **Questions this page answers:** - Do I need technology errors omissions in Maryland? - What are Maryland's technology errors omissions requirements? - Who regulates insurance in Maryland? - Which providers hold Maryland licenses for technology errors omissions? **Key facts:** - State regulator: Maryland Insurance Administration. - Reported surplus-lines tax rate: 3% - 5 providers listed with Maryland license records. **Limits (do not over-claim):** - State information reflects the cited sources at their access dates; confirm current requirements with the state regulator. - A provider's presence in the license list does not confirm the product is available in this state; absence does not mean unlicensed. Verify with the regulator's license lookup. - Some license records rely on company-reported information rather than independent regulator verification. - Informational only; does not determine whether a policy meets a specific business's needs. **Provenance:** 14 numbered sources with access dates; updated 2026-09-29. **Related pages:** - [Technology Errors Omissions (national guide)](https://spot.insure/coverage/technology-errors-omissions) — national concept guide - [Business insurance in Maryland](https://spot.insure/coverage/states/maryland) — state hub: regulator and other coverage - [Business insurance by state](https://spot.insure/coverage/states) — all states - [At-Bay](https://spot.insure/insurance-providers/at-bay) — provider with state license record - [Coalition](https://spot.insure/insurance-providers/coalition) — provider with state license record - [Corgi](https://spot.insure/insurance-providers/corgi) — provider with state license record - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) — provider with state license record - [Vouch](https://spot.insure/insurance-providers/vouch) — provider with state license record # What Technology E&O Insurance Requirements Apply in Maryland? Commercial Law §22-803, part of Maryland’s Uniform Computer Information Transactions Act, lets an agreement add, substitute, limit, or alter remedies for a computer-information contract, including a limit to return of copies and repayment of the fee or to repair or replacement. Consequential and incidental damages may be limited unless the limit is unconscionable. A limit on consequential damages for personal injury in a consumer contract for a computer program contained in consumer goods is prima facie unconscionable. A limit on commercial loss is not. If that personal-injury claim is also a noneconomic-damages case, Courts and Judicial Proceedings §11-108 still caps the noneconomic award by the year the cause arises, starting from $500,000 for causes on or after October 1, 1994, plus $15,000 each October 1 beginning in 1995. Ask the broker which of those contract limits the E&O form actually follows.[^1][^2] **Coverage:** [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) · [Maryland](https://spot.insure/coverage/states/maryland) ## 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](https://spot.insure/coverage/technology-errors-omissions). ## What Should You Watch for With Tech E&O Insurance in Maryland? ### An exclusive repair remedy can reopen other UCITA remedies if it fails Subsection (b) says that if performance of an exclusive or limited remedy causes it to fail of its essential purpose, the aggrieved party may pursue other remedies under the title, subject to subsection (c). A software contract that promises only repair or replacement does not, by that sentence alone, end the customer’s remedies when the fix never works. Subsection (c) adds that failure or unconscionability of the exclusive remedy knocks out a separate consequential-damages disclaimer unless the agreement expressly makes that disclaimer independent of the agreed remedy. Ask counsel whether the disclaimer is written as independent.[^1] ### Personal-injury waivers in consumer-goods software are presumed unconscionable Section 22-803(d) draws a line inside computer programs. Exclusion of consequential damages for personal injury in a consumer contract for a computer program that is subject to the title and contained in consumer goods is prima facie unconscionable. Exclusion of damages for a commercial loss is not unconscionable. A business-to-business implementation and a consumer device with embedded software do not share that presumption. Identify which contract you signed.[^1] ### A personal-injury award still faces the year-by-year noneconomic cap Section 11-108 limits noneconomic damages in personal-injury and wrongful-death actions. For a cause arising on or after October 1, 1994, the limitation starts at $500,000 and increases by $15,000 on each October 1 beginning in 1995. The jury is not told the limitation. Wrongful death with two or more claimants uses 150 percent of the limitation. The cap does not include punitive damages. An E&O limit and this statutory ceiling answer different questions: what the policy pays, and what a noneconomic judgment may be.[^2] ## Who Regulates Insurance in Maryland? **Maryland Insurance Administration.** The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. 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.maryland.gov/) - [License lookup](https://www.apps.insurance.maryland.gov/CompanyProducerInfo/) - [File a complaint](https://insurance.maryland.gov/consumer/pages/fileacomplaint.aspx) - Phone: 800-492-6116 ### Surplus-Lines Tax and Stamping Office in Maryland **Reported tax rate:** 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies.[^6][^7] ## Which Tech E&O Insurance Providers Have Maryland 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 that the product is available in Maryland; [check the regulator’s license lookup](https://www.apps.insurance.maryland.gov/CompanyProducerInfo/) and confirm state availability for your business when requesting a quote. - [At-Bay](https://spot.insure/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Covers:** 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.[^8] **Coverage membership:** At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion. - [Coalition](https://spot.insure/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Covers:** 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.[^9] **Coverage membership:** Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. - [Corgi](https://spot.insure/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** 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.[^10] **Coverage membership:** Corgi lists technology errors and omissions insurance for technology products and services. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** 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.[^13] **Coverage membership:** TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses. - [Vouch](https://spot.insure/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Covers:** 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.[^14] **Coverage membership:** Vouch lists technology errors and omissions among the core coverages in its technology-company programs. ## What Should You Ask Before Buying Tech E&O Insurance in Maryland? 1. Does the contract make any consequential-damages waiver independent of the exclusive remedy, as §22-803(c) requires if that remedy fails? 2. Is this a consumer contract for a computer program contained in consumer goods, or a commercial-loss contract? 3. If bodily injury is alleged, which October-to-September band of §11-108 applies to the cause of action? ## Tech E&O Insurance in Maryland: Frequently Asked Questions ### Can a Maryland software contract waive consequential damages? Section 22-803(d) allows an agreement to exclude or limit consequential and incidental damages unless the exclusion is unconscionable. A limit on consequential damages for personal injury in a consumer contract for a computer program contained in consumer goods is prima facie unconscionable. A limit on commercial loss is not.[^1] ### Does the noneconomic-damages cap apply to a software personal-injury claim? Section 11-108 applies to personal-injury and wrongful-death actions. It limits noneconomic damages based on when the cause arises and does not define that category to include punitive damages. It does not decide whether a particular software dispute is a personal-injury action.[^2] ## Tech E&O Insurance Guides for Other States - [Alabama](https://spot.insure/coverage/technology-errors-omissions/alabama) - [Alaska](https://spot.insure/coverage/technology-errors-omissions/alaska) - [Arizona](https://spot.insure/coverage/technology-errors-omissions/arizona) - [Arkansas](https://spot.insure/coverage/technology-errors-omissions/arkansas) - [California](https://spot.insure/coverage/technology-errors-omissions/california) - [Colorado](https://spot.insure/coverage/technology-errors-omissions/colorado) - [Connecticut](https://spot.insure/coverage/technology-errors-omissions/connecticut) - [Delaware](https://spot.insure/coverage/technology-errors-omissions/delaware) - [District of Columbia](https://spot.insure/coverage/technology-errors-omissions/district-of-columbia) - [Florida](https://spot.insure/coverage/technology-errors-omissions/florida) - [Georgia](https://spot.insure/coverage/technology-errors-omissions/georgia) - [Hawaii](https://spot.insure/coverage/technology-errors-omissions/hawaii) - [Idaho](https://spot.insure/coverage/technology-errors-omissions/idaho) - [Illinois](https://spot.insure/coverage/technology-errors-omissions/illinois) - [Indiana](https://spot.insure/coverage/technology-errors-omissions/indiana) - [Iowa](https://spot.insure/coverage/technology-errors-omissions/iowa) - [Kansas](https://spot.insure/coverage/technology-errors-omissions/kansas) - [Kentucky](https://spot.insure/coverage/technology-errors-omissions/kentucky) - [Louisiana](https://spot.insure/coverage/technology-errors-omissions/louisiana) - [Maine](https://spot.insure/coverage/technology-errors-omissions/maine) - [Massachusetts](https://spot.insure/coverage/technology-errors-omissions/massachusetts) - [Michigan](https://spot.insure/coverage/technology-errors-omissions/michigan) - [Minnesota](https://spot.insure/coverage/technology-errors-omissions/minnesota) - [Missouri](https://spot.insure/coverage/technology-errors-omissions/missouri) - [Montana](https://spot.insure/coverage/technology-errors-omissions/montana) - [Nebraska](https://spot.insure/coverage/technology-errors-omissions/nebraska) - [Nevada](https://spot.insure/coverage/technology-errors-omissions/nevada) - [New Hampshire](https://spot.insure/coverage/technology-errors-omissions/new-hampshire) - [New Jersey](https://spot.insure/coverage/technology-errors-omissions/new-jersey) - [New York](https://spot.insure/coverage/technology-errors-omissions/new-york) - [North Carolina](https://spot.insure/coverage/technology-errors-omissions/north-carolina) - [North Dakota](https://spot.insure/coverage/technology-errors-omissions/north-dakota) - [Ohio](https://spot.insure/coverage/technology-errors-omissions/ohio) - [Oklahoma](https://spot.insure/coverage/technology-errors-omissions/oklahoma) - [Oregon](https://spot.insure/coverage/technology-errors-omissions/oregon) - [Pennsylvania](https://spot.insure/coverage/technology-errors-omissions/pennsylvania) - [Rhode Island](https://spot.insure/coverage/technology-errors-omissions/rhode-island) - [South Carolina](https://spot.insure/coverage/technology-errors-omissions/south-carolina) - [South Dakota](https://spot.insure/coverage/technology-errors-omissions/south-dakota) - [Texas](https://spot.insure/coverage/technology-errors-omissions/texas) - [Utah](https://spot.insure/coverage/technology-errors-omissions/utah) - [Vermont](https://spot.insure/coverage/technology-errors-omissions/vermont) - [Virginia](https://spot.insure/coverage/technology-errors-omissions/virginia) - [Washington](https://spot.insure/coverage/technology-errors-omissions/washington) - [West Virginia](https://spot.insure/coverage/technology-errors-omissions/west-virginia) - [Wisconsin](https://spot.insure/coverage/technology-errors-omissions/wisconsin) - [Wyoming](https://spot.insure/coverage/technology-errors-omissions/wyoming) [Other Coverage in Maryland](https://spot.insure/coverage/states/maryland) ## Sources for Tech E&O Insurance in Maryland [^1]: [Md. Commercial Law §22-803, Contractual modification of remedy](https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcl§ion=22-803&enactments=False) — Maryland General Assembly; UCITA remedy limits, failure of essential purpose, and the consumer computer-program consequential-damages rule. Accessed 2026-09-29. [^2]: [Md. Courts and Judicial Proceedings §11-108, Noneconomic damages](https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcj§ion=11-108&enactments=False) — Maryland General Assembly; §11-108(b) and (d): year-based noneconomic limitation and the rule that the jury is not informed. Accessed 2026-09-29. [^3]: [Maryland Insurance Administration](https://insurance.maryland.gov/) — Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28. [^4]: [Insurance License Lookup](https://www.apps.insurance.maryland.gov/CompanyProducerInfo/) — Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28. [^5]: [File an Insurance Complaint](https://insurance.maryland.gov/consumer/pages/fileacomplaint.aspx) — Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28. [^6]: [Md. Code, Insurance §3-324](https://mgaleg.maryland.gov/2026RS/Statute_Web/gin/3-324.pdf) — Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28. [^7]: [Maryland Insurance Article (2026)](https://mgaleg.maryland.gov/2026RS/Statute_Web/gin/gin.pdf) — Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. Accessed 2026-09-28. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/technology-errors-omissions/maryland.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)