Technology E&O Insurance in New Hampshire

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 New Hampshire

• The three years run from the act or omission, not from a later invoice

  Section 508:4 measures the ordinary period from the act or omission complained of. A failed deployment, a bad data conversion, and a renewal invoice can be different acts. The section applies to personal actions and excepts slander or libel, which have their own three years from accrual. It also yields where the law otherwise provides. Confirm the technology pleading is a personal action under this section before you calendar three years, and report the circumstance to the insurer on the policy’s clock. ¹

• The discovery extension requires both the injury and the causal link

  The exception applies when the injury and its causal relationship to the act or omission were not discovered and could not reasonably have been discovered at the time of the act. The three years then run from discovery, or from when reasonable diligence should have discovered both the injury and the causal relationship. Discovering a slow system is not enough if the link to the vendor’s work was already apparent. The section does not give a discovery period for every contract invoice. ¹

• Punitive damages need their own statute

  Section 507:16, effective July 1, 1986, says no punitive damages shall be awarded in any action unless otherwise provided by statute. A technology complaint that adds a punitive count has to name the statute that authorizes those damages. The absence of a punitive award does not reduce the compensatory claim. An E&O form that excludes punitive damages should be read against this bar, not treated as the reason the bar exists. ²

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 New Hampshire. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

• At-Bay

  At-Bay Insurance Services LLC

  Insurance producer, Surplus-lines broker · checked 2026-09-28

  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. ¹⁰

  At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.

• Coalition

  Coalition Insurance Solutions, Inc.

  Insurance producer, Surplus-lines broker · checked 2026-09-28

  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. ¹¹

  Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.

• Corgi

  Corgi Insurance Services, Inc.

  Insurance producer · checked 2026-09-28

  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. ¹²

  Corgi lists technology errors and omissions insurance for technology products and services.

• TechInsurance

  Specialty Program Group LLC

  Insurance producer · checked 2026-09-28

  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. ¹⁵

  TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.

• Vouch

  Vouch Specialty Insurance Services, LLC

  Insurance producer, Surplus-lines broker · checked 2026-09-28

  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. ¹⁶

  Vouch lists technology errors and omissions among the core coverages in its technology-company programs.

Who Regulates Insurance in New Hampshire

New Hampshire Insurance Department

The New Hampshire Insurance Department licenses insurance producers and insurers, oversees insurance markets and investigates complaints concerning entities within the Commissioner’s authority. Its consumer services line is 800-852-3416. ^3,4,5,6

Website

Regulator website

License lookup

Search licensed producers

Complaints

File a complaint

Phone

800-852-3416

Surplus-lines tax and stamping office

Reported tax rate. 3% on the New Hampshire allocation; other-state allocations use those states’ rates and fees ^7,8,9

New Hampshire charges 3% on gross premium allocated to New Hampshire; for multistate coverage, premium allocated elsewhere is taxed at the rates and fees applicable in those jurisdictions, less qualifying returned premium. The policy notice states that the New Hampshire Guaranty Association will not be liable for surplus-lines policies; placement ordinarily requires proof that admitted coverage cannot be obtained.

Questions to Ask Before You Buy in New Hampshire

1. Is the technology claim a personal action under RSA 508:4, or a claim for which another law provides a different period?
2. When was the act or omission, and were the injury and its cause undiscoverable at that time?
3. Does any statute provide for punitive damages on this claim, or does RSA 507:16 bar them?

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

Sources

1. RSA 508:4, Personal actions. New Hampshire General Court; Three years from the act or omission, with a discovery rule for the injury and its causal relationship; effective July 1, 1986. Accessed 2026-09-29.
2. RSA 507:16, Punitive damages outlawed. New Hampshire General Court; 1986, 227:3, effective July 1, 1986: no punitive damages unless a statute provides otherwise. Accessed 2026-09-29.
3. New Hampshire Insurance Department. New Hampshire Insurance Department; Official regulator homepage. Accessed 2026-09-28.
4. New Hampshire State License Division Information. Sircon (state-designated licensing service); State-specific Sircon page identifies NH Insurance Department Licensing Division and license services, but does not expose an unambiguous public producer/company search link. Public lookup destination remains an evidence gap; do not claim this route is the public license search. Accessed 2026-09-28.
5. Consumer Complaint Form. New Hampshire Insurance Department; Official NHID fillable complaint form covers property/casualty including commercial; the official complaint process and 800-852-3416 are confirmed by Ins 102.08 at the source below. PDF endpoint returns HTTP 403 to this verifier, so retain it as a documented access limitation. Accessed 2026-09-28.
6. Insurance Department Rules. New Hampshire Insurance Department; Ins 102.08 identifies complaint investigation, consumer-service authority and contact details. Accessed 2026-09-28.
7. RSA 405-B:4, Single Home State Rate; Surplus Lines. New Hampshire General Court; Official statute: 3% on NH-allocated gross premium and other-state rates/fees on out-of-state allocations, less specified returned NH premium. Accessed 2026-09-28.
8. RSA 405:24, Applicability; Issue. New Hampshire General Court; Required nonadmitted surplus-lines policy notice and eligible insurer/placement provisions; surplus lines are not subject to ordinary admitted-insurer regulation. Accessed 2026-09-28.
9. RSA 405:24. New Hampshire General Court; Subsection III limits licensed surplus-lines placement to amounts not obtainable from an admitted company. 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.