---
title: "Technology E&O Insurance in Ohio"
description: "A written technology contract must be sued on within six years under the statute now in effect, and most punitive judgments stop at two times compensatory damages."
canonical: "https://spot.insure/coverage/technology-errors-omissions/ohio"
page-type: "coverage-state-guide"
updated-at: "2026-09-29"
---

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# Technology E&O Insurance in Ohio

Ohio Revised Code 2305.06, in the text effective September 23, 2026, says an action upon a specialty or an agreement, contract, or promise in writing shall be brought within six years after the cause of action accrued. That filing period is not the notice deadline in an E&O policy. Section 2315.21 separately limits the punitive or exemplary judgment a court may enter. In the ordinary case the court shall not enter a punitive judgment greater than two times the compensatory damages awarded against that defendant. A small employer or individual is limited to the lesser of two times compensatory damages or 10 percent of net worth when the tort was committed, up to $350,000. The section does not apply to a specified purposeful or knowing felony, or to tort actions against the state in the court of claims.[^1][^2]

**Coverage:** [Technology errors and omissions (E&O)](/coverage/technology-errors-omissions) · [Ohio](/coverage/states/ohio)

## 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 Ohio

### Count six years from accrual, not from the policy’s retroactive date

The current text of section 2305.06 gives six years after accrual for a written agreement, contract, or promise. A hosted-software invoice dispute and a signed statement of work both need an accrual date, which the statute does not define in that sentence. Put the contract date, the breach date, and the E&O retroactive date on one timeline. The six-year statute does not extend a policy condition that requires notice of a claim during the policy period.[^1]

### Use the September 23, 2026 text

The legislative page shows the section was amended by Senate Bill 219 of the 136th General Assembly, effective September 23, 2026, and it prints earlier versions from 2012 and 2021. A claim that accrued before that effective date can turn on an earlier compilation. Ask counsel which version governs the accrual date instead of assuming every Ohio technology contract now in litigation uses six years.[^1]

### Punitive exposure is a multiple of compensatory damages, with a tighter small-employer test

Section 2315.21 tells the court not to enter a punitive judgment above two times the compensatory damages awarded against that defendant. If the defendant is a small employer or individual, the ceiling is the lesser of that multiple or 10 percent of net worth when the tort was committed, up to $350,000. The section uses its own small-employer definition. It does not apply where the defendant acted purposely or knowingly and was convicted of or pleaded guilty to a felony, with that mental state as an element, that is the basis of the tort. It also does not apply to tort actions against the state in the court of claims, including certain state-university actions under section 3345.40.[^2]

## Who Regulates Insurance in Ohio

**Ohio Department of Insurance.** ODI licenses insurance agents and agencies and provides a public agent and company locator. Its consumer complaint form accepts insurance complaints and lets you identify an agent or company.[^3][^4][^5]

- [Regulator website](https://insurance.ohio.gov/)
- [License lookup](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch)
- [File a complaint](https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/Complaint.mvc/DisplayConsumerComplaintForm)

### Surplus-Lines Tax and Stamping Office

**Reported tax rate:** 5% of gross premium, net of return premiums For Ohio-home-state surplus-lines placements, Ohio sets a 5% tax on gross premiums after returned premiums and requires the surplus-lines broker to collect it when the policy is delivered. A diligent search usually applies; a qualifying exempt commercial purchaser may request nonadmitted placement in writing after disclosure that authorized-market coverage may offer greater protection, and the policy requires a signed notice of no Ohio guaranty-association benefits.[^6][^7][^8]

## 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 Ohio; [check the regulator’s license lookup](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) 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.[^9]
- [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.[^10]
- [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.[^11]
- [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.[^14]
- [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.[^15]
- [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.[^16]

## Questions to Ask Before You Buy in Ohio

1. When did the written-contract claim accrue, and which version of section 2305.06 applies to that date?
2. What does the E&O policy require as notice, separate from the six-year filing period?
3. Is the company a small employer or individual under section 2315.21, or is the claim a purposeful felony outside the section?

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

### How long does someone have to sue on a written technology contract in Ohio?

The text of section 2305.06 effective September 23, 2026 says an action on a written agreement, contract, or promise shall be brought within six years after the cause of action accrued. Earlier compilations are posted on the same page for claims that accrued under them.[^1]

### What punitive judgment can an Ohio court enter against a technology firm?

Under section 2315.21, the ordinary ceiling is two times the compensatory damages awarded against that defendant. A small employer or individual is held to the lesser of that amount or 10 percent of net worth, up to $350,000. Specified purposeful felonies and court-of-claims actions against the state are outside the section.[^2]

## 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)
- [North Carolina](/coverage/technology-errors-omissions/north-carolina)
- [Oregon](/coverage/technology-errors-omissions/oregon)
- [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)
- [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)

[Other Coverage in Ohio](/coverage/states/ohio)

## Sources

[^1]: [Ohio Rev. Code § 2305.06, Contract in writing](https://codes.ohio.gov/ohio-revised-code/section-2305.06) — Ohio Legislative Service Commission; Text effective September 23, 2026, S.B. 219: six years after accrual for a written agreement, contract, or promise. Accessed 2026-09-29.
[^2]: [Ohio Rev. Code § 2315.21, Punitive or exemplary damages](https://codes.ohio.gov/ohio-revised-code/section-2315.21) — Ohio Legislative Service Commission; Effective April 15, 2021: two-times cap, small-employer cap, and the felony and court-of-claims exclusions. Accessed 2026-09-29.
[^3]: [ohio insurance regulator](https://insurance.ohio.gov/) — State insurance regulator; Official regulator home page and consumer/industry navigation.. Accessed 2026-09-28.
[^4]: [Ohio Department of Insurance Agent / Agency Locator](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) — State insurance regulator; Public search fields for agent and agency name, NPN, license number, city, ZIP, residency, and license type.. Accessed 2026-09-28.
[^5]: [Ohio Department of Insurance Consumer Complaints Form](https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/Complaint.mvc/DisplayConsumerComplaintForm) — State insurance regulator; Online complaint form collects insurer, coverage, agent, issue, and supporting documents; page warns submissions may be public records.. Accessed 2026-09-28.
[^6]: [Ohio Revised Code §3905.36](https://codes.ohio.gov/ohio-revised-code/section-3905.36) — Ohio Laws; Division (B): 5% of gross premiums after return premiums; surplus-lines broker collects from insured at policy delivery.. Accessed 2026-09-28.
[^7]: [Ohio Revised Code §3905.38](https://codes.ohio.gov/ohio-revised-code/section-3905.38) — Ohio Laws; Division A: Chapter 3905 rules do not apply when Ohio is not insured's home state.. Accessed 2026-09-28.
[^8]: [Ohio Revised Code §3905.33](https://codes.ohio.gov/ohio-revised-code/section-3905.33) — Ohio Laws; Divisions (B)(1), (B)(4): five-market diligence and ECP disclosure/written request; division (C): signed notice of no Ohio Insurance Guaranty Association benefits.. Accessed 2026-09-28.
[^9]: [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.
[^10]: [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.
[^11]: [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.
[^12]: [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.
[^13]: [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.
[^14]: [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.
[^15]: [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.
[^16]: [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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