---
title: "Technology E&O Insurance in Oklahoma"
description: "Oklahoma voids any contract clause that shortens the time to sue, and it lets a vendor and customer fix damages in advance only when actual loss would be hard to measure."
canonical: "https://spot.insure/coverage/technology-errors-omissions/oklahoma"
page-type: "coverage-state-guide"
updated-at: "2026-09-29"
---

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[Human-readable page](https://spot.insure/coverage/technology-errors-omissions/oklahoma)

# Technology E&O Insurance in Oklahoma

Oklahoma law limits two clauses that technology vendors routinely put in service agreements. Title 15, section 216 voids every contract condition that restricts a party from enforcing its rights in the ordinary courts or limits the time within which it may do so, so a clause cutting the claim window to six or twelve months does not bind an Oklahoma customer. Section 214 voids contract terms that fix damages in advance except as section 215 allows, and section 215 validates a stipulated amount only when, from the nature of the case, the actual damage would be impracticable or extremely difficult to fix. Title 12, section 95 sets the underlying clock at five years for a written contract and three years for one not in writing. A vendor's technology E&O policy responds to the damages a claimant proves, so a contractual fee cap or liquidated sum that Oklahoma will not enforce leaves the policy limit as the real ceiling.[^1][^2]

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

## 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 Oklahoma

### A clause that shortens the time to sue is void

Section 15-216 declares void every stipulation that restricts a party from enforcing its rights by the usual legal proceedings, or that limits the time within which it may do so. A software agreement that requires the customer to bring claims within one year is therefore unenforceable against an Oklahoma customer, and the vendor should price its policy against the full statutory window. Ask the insurer whether its claims-made retroactive date and extended reporting period still cover a claim filed in year four or five.[^1]

### Five years for a written contract, three for an oral or implied one

Section 12-95(A)(1) gives five years for an action on a contract, agreement, or promise in writing, and (A)(2) gives three years for a contract express or implied not in writing. A signed master services agreement leaves a customer five years after accrual, while a scope change agreed by email chain and never signed may fall to three. A retroactive date that starts on the policy inception date leaves earlier work exposed for the whole period.[^2]

### Stipulated damages only survive when actual loss is hard to fix

Section 15-214 voids a contract term that fixes damages in advance except as section 215 provides. Section 215(A) validates a stipulated amount only when it would be impracticable or extremely difficult to fix the actual damage. A per-day service-credit schedule for a system that is down can meet that test where lost revenue is hard to measure. A flat penalty far above the likely loss is void under section 15-213. Ask whether the policy covers contractually assumed liability and liquidated damages.[^1]

### A multi-year engagement needs a signed writing

Section 15-136 makes an agreement that by its terms is not to be performed within a year invalid unless it or a note or memorandum is in writing and subscribed by the party to be charged. A three-year managed-services term or an open-ended support commitment in that category needs a signed document before the customer can enforce it, and a vendor should not rely on emails alone when a dispute arises.[^1]

## Who Regulates Insurance in Oklahoma

**Oklahoma Insurance Department.** OID's Licensing Division oversees new and renewed producer, adjuster, and business-entity licenses. Its consumer assistance process takes insurance complaints and requests for help; the licensee lookup displays license status and expiration.[^3][^4][^5]

- [Regulator website](https://www.oid.ok.gov/)
- [License lookup](https://www.oid.ok.gov/licensing-and-education/licensee-look-up/)
- [File a complaint](https://www.oid.ok.gov/consumers/file-an-online-complaint/)

### Surplus-Lines Tax and Stamping Office

**Reported tax rate:** 6% of premium and fees, plus 0.175% SLAS transaction fee For Oklahoma-home-state placements, OID says the 6% surplus-lines tax base includes premium and fees; SLIP also bills a 0.175% SLAS transaction fee. Oklahoma law requires a policy notice that surplus-lines coverage has no guaranty-association protection, so ask your broker to itemize the tax and transaction fee.[^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 Oklahoma; [check the regulator’s license lookup](https://www.oid.ok.gov/licensing-and-education/licensee-look-up/) 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] **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.[^10] **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.[^11] **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.[^14] **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.[^15] **Coverage membership:** Vouch lists technology errors and omissions among the core coverages in its technology-company programs.

## Questions to Ask Before You Buy in Oklahoma

1. Does our standard contract shorten the time to sue, and does the carrier's retroactive date and reporting period cover a claim brought under Oklahoma's five-year written-contract window?
2. Do our service credits or liquidated damages meet the section 15-215 test that actual loss would be impracticable or extremely difficult to fix?
3. Does the policy cover damages we agreed to by contract, and does it pay a stipulated sum that Oklahoma would treat as a void penalty?

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

### Can an Oklahoma technology contract shorten the time to sue?

No. Title 15, section 216 makes void any contract condition that limits the time within which a party may enforce its rights through the ordinary legal proceedings.[^1]

### How long does a customer have to sue a technology vendor in Oklahoma?

Title 12, section 95 gives five years after the cause of action accrues for a contract in writing and three years for a contract not in writing.[^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)
- [New Hampshire](/coverage/technology-errors-omissions/new-hampshire)
- [New Jersey](/coverage/technology-errors-omissions/new-jersey)
- [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)
- [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 Oklahoma](/coverage/states/oklahoma)

## Sources

[^1]: [Oklahoma Statutes Title 15, Contracts, sections 136, 213, 214, 215 and 216](https://www.oklegislature.gov/OK_Statutes/CompleteTitles/os15.pdf) — Oklahoma Legislature; Section 15-216 voids contract limits on time to sue; sections 15-214 and 15-215 govern damages fixed in advance; section 15-136 statute of frauds. Accessed 2026-09-29.
[^2]: [Oklahoma Statutes Title 12, Civil Procedure, section 95](https://www.oklegislature.gov/OK_Statutes/CompleteTitles/os12.pdf) — Oklahoma Legislature; Section 12-95(A)(1)-(2): five years for written contracts, three years for contracts not in writing. Accessed 2026-09-29.
[^3]: [oklahoma insurance regulator](https://www.oid.ok.gov/) — State insurance regulator; OID identifies its licensing division's licensing and education responsibilities and consumer-assistance links.. Accessed 2026-09-28.
[^4]: [OID Licensee Look Up](https://www.oid.ok.gov/licensing-and-education/licensee-look-up/) — State insurance regulator; Instructions: choose Oklahoma, LICENSEE, and individual or business entity; search status, expiration, appointments, and license details.. Accessed 2026-09-28.
[^5]: [OID File an Online Complaint](https://www.oid.ok.gov/consumers/file-an-online-complaint/) — State insurance regulator; Official online Request for Assistance/complaint filing instructions and submission form.. Accessed 2026-09-28.
[^6]: [Financial FAQs](https://www.oid.ok.gov/regulated-entities/financial/financial-faqs/) — Oklahoma Insurance Department; Current OID FAQ states the surplus-lines tax is 6% of premium plus policy fees; quarterly remittance.. Accessed 2026-09-28.
[^7]: [Bulletin No. 12-2023](https://www.oid.ok.gov/bulletin-no-12-2023/) — Oklahoma Insurance Department; For policies and endorsements effective on or after Jan. 1, 2024: 6% surplus-lines tax plus 0.175% SLAS transaction fee, paid through SLIP.. Accessed 2026-09-28.
[^8]: [Oklahoma Statutes, Title 36 §1109](https://oksenate.gov/sites/default/files/2019-12/os36.pdf) — Oklahoma Senate; Policy must carry bold declaration-page notice that surplus-lines contracts are not subject to any guaranty association protection in liquidation or receivership.. 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]: [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.
[^15]: [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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