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Technology E&O Insurance in Missouri

Missouri’s sales article, section 400.2-719, lets parties limit remedies and consequential damages, with two brakes. If an exclusive remedy fails of its essential purpose, remedy may be had as the chapter provides. Consequential damages may be limited or excluded unless the limitation or exclusion is unconscionable. A limit on consequential damages for injury to the person in the case of consumer goods is prima facie unconscionable, and a limit where the loss is commercial is not. Section 510.265, effective August 28, 2020, then caps punitive damages at the greater of $500,000 or five times the net amount of the judgment. The cap does not apply when the state is the plaintiff, when the defendant pleads guilty to or is convicted of a felony arising out of the acts on which the claim is based, or in specified housing claims. A technology E&O policy’s punitive exclusion and its consequential-damages definition should be read against both statutes, not against a single contract sentence. 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 Missouri

  • A consumer-goods personal-injury limit starts out unenforceable

    Section 400.2-719(3) makes a limitation of consequential damages for injury to the person in the case of consumer goods prima facie unconscionable. The same sentence says a limitation where the loss is commercial is not prima facie unconscionable. A shrink-wrap term that waives personal-injury consequential damages on a consumer device is in the first category. A negotiated waiver of lost profits between two businesses is in the second, and it can still be attacked as unconscionable on the facts. 1

  • An exclusive repair remedy that fails reopens the chapter

    Subsection (2) says that where circumstances cause an exclusive or limited remedy to fail of its essential purpose, remedy may be had as provided in the chapter. A clause that limits the customer to repair or replacement of a copy does not survive that failure by itself. The section is in the sale-of-goods article. A pure services engagement is not automatically inside it. 1

  • Punitive damages use the greater of $500,000 or five times the net judgment

    Section 510.265 sets the punitive award at no more than the greater of $500,000 or five times the net amount of the judgment against the defendant. It does not apply if the state is the plaintiff. It does not apply if the defendant pleads guilty to or is convicted of a felony arising out of the acts or omissions on which the claim is based. Specified housing claims under sections 213.111, 213.040, 213.045, 213.050, and 213.070 are also outside the cap. E&O coverage for punitive damages, if the policy gives it, should be compared with that greater-of test. 2

Who Regulates Insurance in Missouri

Missouri Department of Commerce and Insurance

Missouri DCI licenses insurance producers and insurers, reviews property and casualty rates and forms, and investigates complaints against insurance companies and producers. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 5% of premium; Missouri taxes the entire gross premium when Missouri is the home state When Missouri is the insured’s home state, the state applies its 5% surplus-lines tax to the entire gross premium of a multistate policy; the regulator’s FAQ says the tax includes applicable fees. Eligible nonadmitted insurers do not participate in the Missouri Guaranty Fund, and Missouri generally requires the full amount or kind of coverage to be unavailable from admitted insurers before placement; an exempt commercial purchaser search exception has separate disclosure and written-request conditions. 7,8,9,10

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 the product is available in Missouri. 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. 11
  • 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. 12
  • 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. 13
  • 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. 17
  • 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. 18

Questions to Ask Before You Buy in Missouri

  1. Is the technology contract a sale of goods, and is the loss a consumer personal injury or a commercial loss under section 400.2-719?
  2. Did an exclusive repair or replacement remedy fail of its essential purpose?
  3. Is the punitive claim inside section 510.265, or is the state the plaintiff, the conduct a felony, or the claim one of the listed housing actions?

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

Can a Missouri technology sales contract waive consequential damages? 1

Section 400.2-719(3) allows a limit or exclusion unless it is unconscionable. A limit on personal-injury consequential damages for consumer goods is prima facie unconscionable. A limit on a commercial loss is not. 1

What is the Missouri ceiling on punitive damages? 2

Section 510.265, effective August 28, 2020, limits punitive damages to the greater of $500,000 or five times the net amount of the judgment. The cap does not apply when the state is the plaintiff, when the defendant pleads guilty to or is convicted of a related felony, or in the housing claims the section lists. 2

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

Other Coverage in Missouri

Sources

  1. Mo. Rev. Stat. § 400.2-719, Contractual modification or limitation of remedy. Missouri Revisor of Statutes; Effective August 28, 1963: consequential-damages limits, the consumer-goods presumption, and failure of essential purpose. Accessed 2026-09-29.
  2. Mo. Rev. Stat. § 510.265, Punitive damages, limitations. Missouri Revisor of Statutes; Effective August 28, 2020: greater of $500,000 or five times the net judgment, with listed exceptions. Accessed 2026-09-29.
  3. Missouri Department of Commerce and Insurance. Missouri Department of Commerce and Insurance; Official insurance regulator homepage. Accessed 2026-09-28.
  4. Find an Insurance Agent/Agency. Missouri Department of Commerce and Insurance; Official DCI search page says its License & Contact Info search covers licensed agents and agencies; it links to company search. Accessed 2026-09-28.
  5. Insurance Complaints. Missouri Department of Commerce and Insurance; Complaint filing page; says Consumer Affairs investigates complaints against insurers and producers; consumer hotline 800-726-7390. Accessed 2026-09-28.
  6. Insurance Company Rate, Rule and Policy Form Filings. Missouri Department of Commerce and Insurance; Official DCI rate, rule and form filing page; identifies state oversight of insurer product filings. Accessed 2026-09-28.
  7. Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ states 5% of Missouri net premium including applicable fees and eligible surplus-lines companies do not participate in the Guaranty Fund. Accessed 2026-09-28.
  8. RSMo §384.061. Missouri Revisor of Statutes; Subsections 1–2: entire gross premium is taxed when Missouri is home state; Chapter 384 placement regulation applies only when Missouri is home state. Accessed 2026-09-28.
  9. RSMo §384.021. Missouri Revisor of Statutes; Admitted-market availability rule and exempt commercial purchaser due-diligence exception; exception conditions appear in subsection 2. Accessed 2026-09-28.
  10. Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ says eligible surplus-lines insurers do not participate in the Guaranty Fund. Accessed 2026-09-28.
  11. 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. 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. 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. 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. 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. The Pie Insurance Company — Company Details. Missouri Department of Commerce and Insurance; Company name: THE PIE INSURANCE COMPANY; status Active; NAIC 21857; license B424258; Property and Casualty; date admitted 1999-07-07. The page has no expiry/renewal field. Accessed 2026-09-28. Accessed 2026-09-28.
  17. 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.
  18. 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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