--- title: "Technology E&O Insurance in New Jersey" description: "New Jersey gives a customer six years to sue a technology vendor on a contract, but only four years, shortenable to one, when the deal is a sale of goods." canonical: "https://spot.insure/coverage/technology-errors-omissions/new-jersey" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/technology-errors-omissions/new-jersey) # Technology E&O Insurance in New Jersey New Jersey sets different clocks for the two halves of a technology deal. N.J.S.A. 2A:14-1 gives six years for recovery upon a contractual claim, express or implied, so a customer can sue a software or services vendor six years after the claim accrues. Subsection b of that section carves out contracts for sale of goods, which N.J.S.A. 12A:2-725 limits to four years, and the parties may reduce that to not less than one year but may not extend it. A lease of equipment has its own four-year clock under 12A:2A-506, where accrual runs from discovery. A claim-made E&O policy must therefore stay in force, or carry an extended reporting period, through a six-year exposure on the services side. Under N.J.S.A. 2A:15-5.3 a party found 60 percent or more responsible for the total damages can be made to pay all of them, so a vendor that is the largest contributor to an outage can carry the whole judgment.[^1][^2] **Coverage:** [Technology errors and omissions (E&O)](/coverage/technology-errors-omissions) · [New Jersey](/coverage/states/new-jersey) ## 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](/coverage/technology-errors-omissions). ## What to Watch for in New Jersey ### A services claim can be brought six years after it accrues N.J.S.A. 2A:14-1(a) applies six years to recovery upon a contractual claim or liability, express or implied, not under seal. The Judiciary's public guidance states the general contract period as six years. A vendor that delivered a system in year one can still be sued for the defect in year six, and the claim-made policy in force when the claim is made is the one that responds. Keep continuous coverage, or buy an extended reporting period, through the whole six years after the last engagement.[^1][^2] ### Bundled hardware and software can split into a four-year clock and a six-year clock Section 2A:14-1(b) says the six-year rule does not apply to an action for breach of any contract for sale governed by 12A:2-725. That section allows four years from breach, accrues on tender of delivery even if the buyer does not know of the breach, and lets the original agreement cut the period to not less than one year. A vendor that sells a device with a support contract can face the two periods on one deal, and the fixed accrual date on the goods side does not wait for discovery. Ask how the agreement classifies the product and the service.[^1] ### A leased system runs from discovery, and the lease can cut it to one year N.J.S.A. 12A:2A-506 gives four years for default under a lease contract, including breach of warranty or indemnity, and accrual is the later of when the act or omission is or should have been discovered or when the default occurs. The original lease may reduce the period to not less than one year. An indemnity claim accrues when the indemnified party discovers the act or omission. Section 12A:2A-506(3) adds six months to refile after a timely action ends, unless it was voluntarily dropped or dismissed for neglect to prosecute.[^1] ### Being 60 percent at fault makes you liable for the whole verdict In a negligence action, N.J.S.A. 2A:15-5.3(a) lets a party recover the full amount of the damages from any party the trier of fact finds 60 percent or more responsible for the total damages. A hosting or integration vendor that is the main cause of an outage among several contributors can therefore be the only defendant able to pay, and must then seek contribution from the others. Confirm the E&O limit is sized for the full loss, and that the policy covers the vendor's contribution claims.[^1] ## Who Regulates Insurance in New Jersey **New Jersey Department of Banking and Insurance.** New Jersey DOBI licenses insurers and producers, reviews insurance products and rates, monitors insurer solvency and responds to insurance complaints. The Property and Casualty unit regulates commercial and personal property and casualty rates, rules and forms.[^3][^4][^5][^6] - [Regulator website](https://www.nj.gov/dobi/) - [License lookup](https://www.nj.gov/dobi/inslic.htm) - [File a complaint](https://www.nj.gov/dobi/consumer.htm) - Phone: 800-446-7467 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 5% of gross premium, less return premium New Jersey’s Department of Banking and Insurance states a 5% surplus-lines tax for policies effective on or after July 1, 2009; its FAQ also describes direct-procurement tax filing for premium allocated to New Jersey. A New Jersey surplus-lines producer generally must make a diligent effort to place the risk with authorized insurers, subject to the exportable-list and other statutory exceptions. New Jersey’s separate surplus-lines guaranty fund has narrow coverage; ordinary commercial surplus-lines claims are generally outside guaranty protection.[^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 that the product is available in New Jersey; [check the regulator’s license lookup](https://www.nj.gov/dobi/inslic.htm) and confirm state availability for your business when requesting a quote. - [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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] **Coverage membership:** At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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] **Coverage membership:** Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] **Coverage membership:** Corgi lists technology errors and omissions insurance for technology products and services. - [Risklytics](/insurance-providers/risklytics) — **Entity:** Risklytics, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map.[^15] **Coverage membership:** Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^16] **Coverage membership:** TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses. - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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.[^17] **Coverage membership:** Vouch lists technology errors and omissions among the core coverages in its technology-company programs. ## Questions to Ask Before You Buy in New Jersey 1. Does the policy or an extended reporting period run for six years after our last New Jersey engagement, matching the 2A:14-1 window? 2. Does each of our agreements classify the product as a sale of goods, a lease or a service, and which limitations clock does that trigger under 12A:2-725 or 12A:2A-506? 3. Is our limit large enough to cover the entire loss if a court finds us 60 percent or more responsible under 2A:15-5.3? ## Technology Errors And Omissions (E&O) in New Jersey: FAQ ### How long can a New Jersey customer sue a technology vendor? N.J.S.A. 2A:14-1 gives six years for a contractual claim. Contracts for sale of goods are instead governed by 12A:2-725 at four years, which the original agreement may reduce to not less than one year.[^1][^2] ### What is the limitation period for a leased technology system in New Jersey? N.J.S.A. 12A:2A-506 gives four years, accruing at the later of discovery or the default, and the lease may reduce it to not less than one year.[^1] ## Technology Errors And Omissions (E&O) in Other States - [Alabama](/coverage/technology-errors-omissions/alabama) - [Alaska](/coverage/technology-errors-omissions/alaska) - [Arizona](/coverage/technology-errors-omissions/arizona) - [Arkansas](/coverage/technology-errors-omissions/arkansas) - [California](/coverage/technology-errors-omissions/california) - [Colorado](/coverage/technology-errors-omissions/colorado) - [Connecticut](/coverage/technology-errors-omissions/connecticut) - [Delaware](/coverage/technology-errors-omissions/delaware) - [District of Columbia](/coverage/technology-errors-omissions/district-of-columbia) - [Florida](/coverage/technology-errors-omissions/florida) - [Georgia](/coverage/technology-errors-omissions/georgia) - [Hawaii](/coverage/technology-errors-omissions/hawaii) - [Idaho](/coverage/technology-errors-omissions/idaho) - [Illinois](/coverage/technology-errors-omissions/illinois) - [Indiana](/coverage/technology-errors-omissions/indiana) - [Iowa](/coverage/technology-errors-omissions/iowa) - [Kansas](/coverage/technology-errors-omissions/kansas) - [Kentucky](/coverage/technology-errors-omissions/kentucky) - [Louisiana](/coverage/technology-errors-omissions/louisiana) - [Maine](/coverage/technology-errors-omissions/maine) - [Maryland](/coverage/technology-errors-omissions/maryland) - [Massachusetts](/coverage/technology-errors-omissions/massachusetts) - [Michigan](/coverage/technology-errors-omissions/michigan) - [Minnesota](/coverage/technology-errors-omissions/minnesota) - [Missouri](/coverage/technology-errors-omissions/missouri) - [Montana](/coverage/technology-errors-omissions/montana) - [Nebraska](/coverage/technology-errors-omissions/nebraska) - [Nevada](/coverage/technology-errors-omissions/nevada) - [New Hampshire](/coverage/technology-errors-omissions/new-hampshire) - [New York](/coverage/technology-errors-omissions/new-york) - [North Carolina](/coverage/technology-errors-omissions/north-carolina) - [North Dakota](/coverage/technology-errors-omissions/north-dakota) - [Ohio](/coverage/technology-errors-omissions/ohio) - [Oklahoma](/coverage/technology-errors-omissions/oklahoma) - [Oregon](/coverage/technology-errors-omissions/oregon) - [Pennsylvania](/coverage/technology-errors-omissions/pennsylvania) - [Rhode Island](/coverage/technology-errors-omissions/rhode-island) - [South Carolina](/coverage/technology-errors-omissions/south-carolina) - [South Dakota](/coverage/technology-errors-omissions/south-dakota) - [Texas](/coverage/technology-errors-omissions/texas) - [Utah](/coverage/technology-errors-omissions/utah) - [Vermont](/coverage/technology-errors-omissions/vermont) - [Virginia](/coverage/technology-errors-omissions/virginia) - [Washington](/coverage/technology-errors-omissions/washington) - [West Virginia](/coverage/technology-errors-omissions/west-virginia) - [Wisconsin](/coverage/technology-errors-omissions/wisconsin) - [Wyoming](/coverage/technology-errors-omissions/wyoming) [Other Coverage in New Jersey](/coverage/states/new-jersey) ## Sources [^1]: [New Jersey Statutes, N.J.S.A. 2A:14-1, 2A:15-5.3, 12A:2-725 and 12A:2A-506](https://pub.njleg.state.nj.us/Statutes/STATUTES-TEXT.zip) — New Jersey Legislature; 2A:14-1 six years for contract claims; 12A:2-725 four years for sale of goods; 12A:2A-506 four years for leases; 2A:15-5.3(a) 60 percent full recovery. Accessed 2026-09-29. [^2]: [What is the statute of limitations for the claim in my case?](https://www.njcourts.gov/faq/what-statute-of-limitations-claim-my-case) — New Jersey Judiciary; States the general contract limitation period is six years, citing N.J.S.A. 2A:14-1. Accessed 2026-09-29. [^3]: [New Jersey Department of Banking and Insurance](https://www.nj.gov/dobi/) — New Jersey Department of Banking and Insurance; Official regulator homepage.. Accessed 2026-09-28. [^4]: [Division of Insurance](https://nj.gov/dobi/division_insurance/index.htm) — New Jersey Department of Banking and Insurance; States that Division issues insurer/producer licenses, reviews products and rates, monitors solvency and responds to consumer concerns.. Accessed 2026-09-28. [^5]: [Insurance Licensing and Education](https://www.nj.gov/dobi/inslic.htm) — New Jersey Department of Banking and Insurance; Official producer licensing page links to NJDOBI Licensee Search and SBS Licensee Search.. Accessed 2026-09-28. [^6]: [Consumer Information](https://www.nj.gov/dobi/consumer.htm) — New Jersey Department of Banking and Insurance; Official consumer assistance/complaints destination; DOBI hotline 800-446-7467.. Accessed 2026-09-28. [^7]: [Surplus Lines FAQs](https://www.nj.gov/dobi/division_insurance/sleofaqs.htm) — New Jersey Department of Banking and Insurance; Current DOBI FAQ states 5% on policies effective on/after July 1, 2009 and identifies direct-procurement filing when NJ receives an out-of-state surplus-lines premium allocation.. Accessed 2026-09-28. [^8]: [N.J.A.C. 11:1-33.3, Surplus Lines Procurement Requirements](https://www.nj.gov/dobi/division_insurance/pdfs/slpolicy.pdf) — New Jersey Department of Banking and Insurance; Rule requires diligent effort to place with authorized insurer except coverages on Exportable List.. Accessed 2026-09-28. [^9]: [Surplus Lines Tax Q&A](https://www.nj.gov/dobi/division_insurance/pdfs/sl_portableanswerbook.pdf) — New Jersey Department of Banking and Insurance; DOBI FAQ states Surplus Lines Guaranty Fund covers medical malpractice liability and property covering owner-occupied dwellings under four units; this is narrow and not ordinary business coverage.. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^17]: [Licenses](https://www.vouch.us/legal/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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/technology-errors-omissions/new-jersey.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)