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Technology E&O Insurance in Nebraska

Nebraska Revised Statute 25-205(1) says that, except as subsection (2) provides, an action upon a specialty or any agreement, contract, or promise in writing can only be brought within five years. Subsection (2) is narrower: an action to recover farm-product collateral that a debtor transferred, where the writing used that collateral as security, must be brought within eighteen months from the transfer of possession and ownership. Section 25-21,185.09, from 1992 LB 262, is the injury rule. If the claimant’s contributory negligence is equal to or greater than the total negligence of all persons against whom recovery is sought, the claimant cannot recover. A technology invoice dispute uses the five-year writing period unless it is the farm-collateral action. A negligence claim for injury or property damage uses the equal-fault bar. Neither period is the notice deadline in an E&O policy. 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 Nebraska

  • Calendar five years for an ordinary written technology contract

    Subsection (1) covers a specialty and any agreement, contract, or promise in writing, and a foreign judgment. The five years is the outside filing period. It does not say the claim accrues on the signature date. A later breach can start the period later. Report the circumstance to the E&O insurer when it happens, even if a lawsuit would still be timely for years. 1

  • Farm-product collateral uses eighteen months, not five years

    Subsection (2) applies when the action is to recover collateral whose possession and ownership the debtor transferred, and the writing used that collateral as security for payment, covering farm products described in UCC section 9-102 or farm products that become inventory of a person engaged in farming. The eighteen months run from the date possession and ownership were transferred. A software license is not this action. A financing deal that took farm products as security can be. 1

  • Equal fault is a complete bar, not a reduction

    Section 25-21,185.09 denies recovery when the claimant is contributorily negligent in a degree equal to or greater than the combined negligence of the persons against whom recovery is sought. The comparison is with that total, not with one defendant in isolation. A customer who is equally at fault for how a system was used can be out of a negligence case entirely. The statute is not a formula for splitting a contract price. 2

Who Regulates Insurance in Nebraska

Nebraska Department of Insurance

The Nebraska Department of Insurance oversees insurers and producers and examines insurance complaints. Its online company and producer search is maintained through State Based Systems. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premium charged, less return premiums Nebraska’s 3% tax applies to gross premium charged less return premium when the risk is Nebraska’s home-state placement; fees paid to the carrier are taxable, while broker-retained or third-party fees are not. A Nebraska-licensed surplus-lines producer ordinarily must complete due diligence, while exempt-commercial-purchaser provisions permit limited exceptions; federal ECP status alone does not erase the disclosure and subsequent written-request conditions for the federal search waiver. Nebraska policies state that its Property and Liability Guaranty Association will not cover surplus-lines claims. 6,7,8,9

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 the product is available in Nebraska. 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. 10
  • 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. 11
  • 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. 12
  • 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. 15
  • 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. 16

Questions to Ask Before You Buy in Nebraska

  1. Is the claim an ordinary written contract under section 25-205(1), or a farm-product collateral recovery under subsection (2)?
  2. When did the contract claim accrue for the five-year period?
  3. On a negligence theory, is the claimant’s fault equal to or greater than the combined fault of everyone against whom recovery is sought?

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

How long does someone have to sue on a written contract in Nebraska? 1

Section 25-205(1) says an action on a written agreement, contract, or promise can only be brought within five years, except as subsection (2) provides. Subsection (2) gives eighteen months for a described farm-product collateral recovery, measured from the transfer of possession and ownership. 1

Does equal negligence still allow a partial Nebraska recovery? 2

No. Section 25-21,185.09 bars recovery when the claimant’s contributory negligence is equal to or greater than the total negligence of all persons against whom recovery is sought. 2

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

Other Coverage in Nebraska

Sources

  1. Neb. Rev. Stat. § 25-205, Actions on written contracts. Nebraska Legislature; Five years for a written contract, and eighteen months for the farm-product collateral action in subsection (2). Accessed 2026-09-29.
  2. Neb. Rev. Stat. § 25-21,185.09, Contributory negligence. Nebraska Legislature; 1992 LB 262: equal or greater contributory negligence bars recovery. Accessed 2026-09-29.
  3. Nebraska Department of Insurance. Nebraska Department of Insurance; Official department homepage. Accessed 2026-09-28.
  4. Company and Producer Search. Nebraska Department of Insurance; Nebraska DOI’s state-specific search landing page; identifies SBS as the source for producer and company licensing records. Accessed 2026-09-28.
  5. File a Complaint. Nebraska Department of Insurance; Official complaint filing page; complaint division examines complaints; toll-free hotline 877-564-7323 is in-state only. Accessed 2026-09-28.
  6. Surplus Lines. Nebraska Department of Insurance; Current page states 3% on gross premiums less return premium; carrier fees included, broker-retained/third-party fees excluded; describes due-diligence and ECP/self-procurement rules. Accessed 2026-09-28.
  7. Neb. Rev. Stat. §§44-5501–44-5515. Nebraska Legislature; Surplus Lines Insurance Act; §§44-5502, 44-5509 and 44-5510 address home state, policy notice and due diligence. Accessed 2026-09-28.
  8. Neb. Rev. Stat. §§44-5502, 44-5510 and 44-5515. Nebraska Legislature; ECP definition, diligent-search rules, exempt purchaser filing/tax treatment; federal ECP waiver also requires broker disclosure and subsequent purchaser written request under 15 U.S.C. §8205. Accessed 2026-09-28.
  9. Neb. Rev. Stat. §44-5509. Nebraska Legislature; Required surplus-lines policy disclaimer says Nebraska Property and Liability Guaranty Association will not be liable. Accessed 2026-09-28.
  10. 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. 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. 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. 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. 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. 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. 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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