---
title: "Technology E&O Insurance in New York"
description: "An ordinary contract suit is six years, but non-medical malpractice is three years whether it is pleaded in contract or in tort."
canonical: "https://spot.insure/coverage/technology-errors-omissions/new-york"
page-type: "coverage-state-guide"
updated-at: "2026-09-29"
---

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# Technology E&O Insurance in New York

CPLR 213(2) says an action upon a contractual obligation or liability, express or implied, must be commenced within six years, except as provided in section 213-a or section 214-i, or in article 2 of the Uniform Commercial Code, or in article 36-B of the General Business Law. CPLR 214(6) is the professional-liability row: an action to recover damages for malpractice, other than medical, dental, or podiatric malpractice, must be commenced within three years, regardless of whether the underlying theory is based in contract or tort. A technology services dispute pleaded as an ordinary contract can be on the six-year list if none of the named exceptions apply. The same dispute pleaded as malpractice is on the three-year list even if the complaint uses contract words. CPLR 1411 then reduces, and does not bar, damages for personal injury, injury to property, or wrongful death in proportion to the claimant’s culpable conduct.[^1][^2]

**Coverage:** [Technology errors and omissions (E&O)](/coverage/technology-errors-omissions) · [New York](/coverage/states/new-york)

## 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 York

### Pick the malpractice row before you rely on six years

Section 214(6) covers malpractice other than medical, dental, or podiatric malpractice, and it says the three years apply regardless of whether the theory is contract or tort. Labeling a failed implementation as breach of the statement of work does not, by itself, move the claim into section 213(2). Ask whether the pleading is malpractice. If it is, the three-year period is the one the statute states. The E&O notice condition is a third date.[^2]

### Four named bodies of law can take a contract claim out of the six-year section

Section 213(2) excepts section 213-a, section 214-i, UCC article 2, and General Business Law article 36-B. A sale of goods can be the UCC exception. A residential construction claim can be the General Business Law exception. Do not apply six years until those exceptions are checked. The section’s other subdivisions, including sealed instruments and mortgages, are different actions with their own six-year text.[^1]

### The claimant’s fault reduces an injury award and does not end it

Section 1411 says that in an action for personal injury, injury to property, or wrongful death, the claimant’s or decedent’s culpable conduct, including contributory negligence or assumption of risk, shall not bar recovery. Damages otherwise recoverable are diminished in the proportion that conduct bears to the culpable conduct which caused the damages. A customer who misused a system can still recover a reduced amount on an injury or property claim. The section does not divide a contract price, and it does not change the three-year malpractice period.[^3]

## Who Regulates Insurance in New York

**New York State Department of Financial Services.** New York DFS supervises insurance companies and producers, administers insurance law and accepts consumer complaints about property and casualty policies, including commercial insurance.[^4][^5][^6][^7]

- [Regulator website](https://www.dfs.ny.gov/)
- [License lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice)
- [File a complaint](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint)
- Phone: 800-342-3736

### Surplus-Lines Tax and Stamping Office

**Reported tax rate:** 3.6% of gross premium, less returned premium; ELANY stamping fee is 0.15% through 2026 and 0.17% for policies incepting on/after Jan. 1, 2027 When New York is the insured’s home state, excess-line tax is 3.6% of gross premium less returned premium. ELANY’s September 20, 2026 bulletin sets a 0.15% stamping fee through December 31, 2026 and 0.17% for policies incepting on or after January 1, 2027; statutory search requirements and guaranty-fund protection depend on the applicable New York excess-line rules.[^8][^9][^10][^11]
[Excess Line Association of New York](https://www.elany.org/)

## 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 York; [check the regulator’s license lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) 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.[^12] **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.[^13] **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.[^14] **Coverage membership:** Corgi lists technology errors and omissions insurance for technology products and services.
- [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 York

1. Is the claim malpractice under CPLR 214(6), or a contractual obligation under CPLR 213(2)?
2. Does section 213-a, section 214-i, UCC article 2, or General Business Law article 36-B supply a different period?
3. If injury or property damage is alleged, how does CPLR 1411 diminish damages for the claimant’s culpable conduct?

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

### How long is a New York malpractice claim against a technology firm?

CPLR 214(6) says an action for malpractice, other than medical, dental, or podiatric malpractice, must be commenced within three years, whether the theory is contract or tort.[^2]

### How long is an ordinary New York contract action?

CPLR 213(2) says an action on a contractual obligation or liability, express or implied, must be commenced within six years, except as section 213-a, section 214-i, UCC article 2, or General Business Law article 36-B provides.[^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 Jersey](/coverage/technology-errors-omissions/new-jersey)
- [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 York](/coverage/states/new-york)

## Sources

[^1]: [CPLR 213, Actions to be commenced within six years](https://www.nysenate.gov/legislation/laws/CVP/213) — New York State Senate; Subdivision 2: six years on a contractual obligation, with the exceptions the subdivision names. Accessed 2026-09-29.
[^2]: [CPLR 214, Actions to be commenced within three years](https://www.nysenate.gov/legislation/laws/CVP/214) — New York State Senate; Subdivision 6: three years for malpractice other than medical, dental, or podiatric malpractice, in contract or in tort. Accessed 2026-09-29.
[^3]: [CPLR 1411, Contributory negligence and assumption of risk](https://www.nysenate.gov/legislation/laws/CVP/1411) — New York State Senate; Culpable conduct diminishes, and does not bar, damages for personal injury, injury to property, or wrongful death. Accessed 2026-09-29.
[^4]: [New York State Department of Financial Services](https://www.dfs.ny.gov/) — New York State Department of Financial Services; Official regulator homepage.. Accessed 2026-09-28.
[^5]: [Who We Supervise](https://www.dfs.ny.gov/who_we_supervise) — New York State Department of Financial Services; DFS describes insurance oversight and provides links to company and producer searches.. Accessed 2026-09-28.
[^6]: [Insurance License Search](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) — New York State Department of Financial Services; DFS portal performs public insurance producer license searches; it displays a CAPTCHA to limit automated access.. Accessed 2026-09-28.
[^7]: [Consumer Complaints](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint) — New York State Department of Financial Services; Official portal files insurance complaints for health, life and property/casualty insurance.. Accessed 2026-09-28.
[^8]: [New York Insurance Law §2118(d)(1)](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Current statutory text: 3.6% of gross premiums less returned premium when New York is the insured’s home state.. Accessed 2026-09-28.
[^9]: [ELANY Bulletin 2026-20: Notice of Change in Stamping Fee](https://www.elany.org/docs/default-source/bulletins/stamping-fee-change-09222026.pdf?sfvrsn=169bd4c3_3) — Excess Line Association of New York; September 20, 2026 bulletin: 0.17% applies to policies incepting from Jan. 1, 2027; endorsements on policies incepting Jan. 1, 2023–Dec. 31, 2026 retain 0.15%; excess-line tax remains 3.6%.. Accessed 2026-09-28.
[^10]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line broker duties and filing requirements; §2118(a) due care; exceptions should be applied only where statutory conditions are met.. Accessed 2026-09-28.
[^11]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line statutory duties and policies; source is used for placement context. No state-specific guaranty cap/note included.. Accessed 2026-09-28.
[^12]: [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.
[^13]: [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.
[^14]: [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.
[^15]: [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.
[^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.

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