Get Started

Technology E&O Insurance in Nevada

NRS 11.190 gives six years for an action upon a contract, obligation, or liability founded upon an instrument in writing, except those mentioned in the preceding sections of the chapter. It gives four years for a contract, obligation, or liability not founded upon an instrument in writing, and four years for a deceptive-trade-practice action under NRS 598.0903 to 598.0999, which accrues on discovery, except as NRS 11.245 provides. Injury to personal property is three years. NRS 42.005 then limits punitive damages, except for the defendants in subsection 2, to three times compensatory damages when those damages are $100,000 or more, and to $300,000 when they are less than $100,000. A signed technology instrument uses six years. A handshake scope uses four years. A punitive count uses the $100,000 line unless subsection 2 takes the defendant outside the cap. 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 Nevada

  • A writing and an unwritten promise do not share a period

    Subsection 1(b) is six years for a contract founded upon an instrument in writing, except actions mentioned in the preceding sections of chapter 11. Subsection 2(c) is four years for a contract not founded upon an instrument in writing. An email chain may or may not be an instrument in writing. Ask counsel which subsection fits before you assume six years. The opening clause also says the periods apply except as NRS 40.4639, 125B.050, and 217.007 provide, and unless a specific statute limits the action further. 1

  • A deceptive-trade-practice count accrues on discovery and is four years

    Subsection 2(d) covers an action against a person alleged to have committed a deceptive trade practice in violation of NRS 598.0903 to 598.0999, except as NRS 11.245 provides. The cause of action accrues when the aggrieved party discovers, or by due diligence should have discovered, the facts constituting the practice. A technology marketing claim pleaded under that chapter is not the six-year writing period. It is this discovery rule. 1

  • The punitive formula flips at $100,000 of compensatory damages

    NRS 42.005 limits exemplary or punitive damages to three times compensatory damages if those damages are $100,000 or more, and to $300,000 if they are less than $100,000. Subsection 2 says the limitations do not apply to an action against a manufacturer, distributor, or seller of a defective product, an insurer who acts in bad faith regarding its obligation to provide coverage, or a person for violating a state or federal law prohibiting discrimination. Read the rest of subsection 2 before you treat that list as closed. A pure professional-negligence count is not one of those three categories on its face. 2

Who Regulates Insurance in Nevada

Nevada Division of Insurance

The Nevada Division of Insurance regulates insurers and producers and provides a license verification tool for agents, agencies and companies. Its Consumer Services unit accepts insurance complaints and questions. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: Same tax rate as admitted coverage of the same kind; an approved filing fee may also apply When Nevada is the insured’s home state, Nevada taxes surplus-lines coverage at the rate imposed on similar admitted coverage and adds any approved filing fee; the rate therefore depends on the line and applicable fee approval. Nevada law requires a diligent effort to place coverage with authorized insurers except where the statutory exempt-commercial-purchaser conditions apply, and the policy must warn that the Nevada Insurance Guaranty Association will not cover the contract. 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 Nevada. 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 Nevada

  1. Is the technology contract founded upon an instrument in writing under NRS 11.190(1)(b), or not founded upon a writing under subsection 2(c)?
  2. Is the claim a deceptive trade practice that accrues on discovery?
  3. Are compensatory damages at least $100,000, and is the defendant in a subsection 2 category that removes the punitive cap?

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

How long is a Nevada suit on a written technology contract? 1

NRS 11.190(1)(b) allows six years for an action upon a contract founded upon an instrument in writing, except those mentioned in the preceding sections. A contract not founded upon an instrument in writing is four years under subsection 2(c). 1

What punitive damages can a Nevada court award? 2

Except for the defendants listed in NRS 42.005(2), punitive damages are limited to three times compensatory damages when those damages are $100,000 or more, and to $300,000 when they are less than $100,000. 2

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

Other Coverage in Nevada

Sources

  1. NRS 11.190, Periods of limitation. Nevada Legislature; Six years for a contract founded on a written instrument; four years for a contract not in writing and for a deceptive trade practice. Accessed 2026-09-29.
  2. NRS 42.005, Exemplary and punitive damages. Nevada Legislature; Three times compensatory damages if they are $100,000 or more, otherwise $300,000, with the subsection 2 exceptions. Accessed 2026-09-29.
  3. Nevada Division of Insurance. Nevada Division of Insurance; Official regulator homepage; current page describes insurance oversight and consumer services. Accessed 2026-09-28.
  4. Verify a License. Nevada Division of Insurance; Official Verify a License destination (redirects to di.nv.gov licensing search); regulator materials identify agent/company license verification there. Accessed 2026-09-28.
  5. File a Complaint. Nevada Division of Insurance; Official consumer complaint destination; Division Consumer Services handles insurance complaints; toll-free 888-872-3234. Accessed 2026-09-28.
  6. NRS Chapter 685A, Nonadmitted Insurance. Nevada Legislature; Current codification, revised April 15, 2026; §685A.130 diligent effort/exempt purchaser provisions; §685A.155 broker fees. Accessed 2026-09-28.
  7. NRS §685A.175. Nevada Legislature; Current codification says Nevada-home-state surplus-lines premium tax equals the rate on similar admitted coverage and includes fees imposed under §685A.075. Accessed 2026-09-28.
  8. NRS §§685A.032, 685A.130. Nevada Legislature; Defines exempt commercial purchaser and sets placement/search provisions; assess full statutory criteria before treating a placement as exempt. Accessed 2026-09-28.
  9. NRS §685A.090. Nevada Legislature; Mandated policy text says a claim under the nonadmitted contract is not covered by the Nevada Insurance Guaranty Association Act. 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.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot