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Technology E&O Insurance in Michigan

MCL 600.5807(9) gives six years to sue for damages or money due for breach of contract when the claim is not one of the bond, covenant, or surety actions described in subsections (2) through (8). The six years run after the claim first accrued. MCL 600.2959 is the injury rule, not the contract rule: in a tort or other theory seeking damages for personal injury, property damage, or wrongful death, the court reduces damages by the injured person’s comparative fault, and if that fault is greater than the combined fault of the other persons, economic damages are reduced and noneconomic damages are not awarded. A failed software project pleaded as breach of contract is on the six-year track. The same outage pleaded as property damage or personal injury is on the comparative-fault track. The E&O notice clause is neither statute. 1,2

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.

What to Watch for in Michigan

  • Most technology contract suits use the six-year residual period

    Subsection (9) applies to an action to recover damages or money due for breach of contract that is not described in subsections (2) to (8). Those earlier subsections cover personal-representative bonds, public-officer bonds, constable bonds, covenants in deeds, and similar instruments. A master services agreement for implementation work is not one of those instruments. Confirm the claim is outside (2) through (8) before you calendar six years from accrual. The 2018 amendment took effect May 7, 2018. 1

  • The clock starts when the claim first accrued

    Section 5807(1) says the person must commence the action within the applicable period after the claim first accrued to that person or to someone through whom the person claims. A renewal invoice, a later patch, and the original go-live can be three different accrual candidates. The statute does not pick among them in subsection (9). Ask counsel for the accrual date, and report the circumstance under the policy even if the lawsuit deadline is years away. 1

  • An injury pleading can remove noneconomic damages without ending the economic claim

    Section 2959 reduces damages by the injured person’s percentage of fault. Only when that percentage is greater than the aggregate fault of the other persons, whether or not they are parties, does the court withhold noneconomic damages. Economic damages are still reduced by the percentage rather than erased. A technology incident that damages a customer’s equipment can be in this section. A pure unpaid-invoice suit is not. Split the complaint before you decide the E&O tower is aimed at pain-and-suffering dollars. 2

Who Regulates Insurance in Michigan

Michigan Department of Insurance and Financial Services

The Michigan Department of Insurance and Financial Services licenses agents, agencies and companies, supervises insurance business, and helps resolve complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 2.5% combined surplus-lines tax and regulatory fee on premium when Michigan is the insured's home state Michigan's Property and Casualty Guaranty Association is funded by insurers authorized to transact in the state; an insurer procured solely under Chapter 19 is expressly not considered authorized for that chapter. The surplus-lines policy must carry a notice that the insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. 6,7,8

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 the product is available in Michigan. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-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
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’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
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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

Questions to Ask Before You Buy in Michigan

  1. Is the claim a contract action under section 5807(9), or one of the bond and covenant actions in subsections (2) through (8)?
  2. When did the contract claim first accrue?
  3. If injury or property damage is pleaded, is the claimant’s fault greater than everyone else’s combined fault under section 2959?

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

How long is the Michigan filing period for an ordinary breach-of-contract claim? 1

MCL 600.5807(9) provides six years for an action to recover damages or money due for breach of contract that is not described in subsections (2) through (8). The period runs after the claim first accrued. 1

Does a high share of claimant fault end a Michigan injury case? 2

Section 2959 withholds noneconomic damages when the injured person’s fault is greater than the combined fault of the other persons. Economic damages are reduced by that percentage. The section applies to personal injury, property damage, and wrongful death, not to every contract invoice. 2

Technology Errors And Omissions (E&O) in Other States

Other Coverage in Michigan

Sources

  1. MCL 600.5807, Periods of limitations. Michigan Legislature; Subsection (9), as amended by 2018 PA 15, effective May 7, 2018: six years for breach of contract not described in subsections (2) to (8). Accessed 2026-09-29.
  2. MCL 600.2959, Comparative fault. Michigan Legislature; As amended by 2012 PA 608: noneconomic damages are not awarded when the injured person’s fault exceeds the combined fault of the others. Accessed 2026-09-29.
  3. Department of Insurance and Financial Services. Department of Insurance and Financial Services; Official regulator and insurance oversight. Accessed 2026-09-28.
  4. Insurance License Lookup. Department of Insurance and Financial Services; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Department of Insurance and Financial Services; State complaint process and contact. Accessed 2026-09-28.
  6. Surplus Lines Licensee: Filing the Surplus Lines Taxes. Michigan Department of Insurance and Financial Services; DIFS current filing page: Michigan-home-state placements taxed at 2.5% combined tax and regulatory fee; separate fees charged to insured are not included in premium tax base. Accessed 2026-09-28.
  7. Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.7911(1)-(2), 500.7921(b): association membership tied to insurer authorized to transact; insurer procured solely under Chapter 19 is expressly not authorized for guaranty chapter. Accessed 2026-09-28.
  8. Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.1922 requires policy notice that insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. 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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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