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Technology E&O Insurance in Oregon

ORS 12.080 says an action upon a contract or liability, express or implied, shall be commenced within six years, excepting those mentioned in ORS 12.070, 12.110, and 12.135, and except as otherwise provided in ORS 72.7250. The same six years cover an action for taking, detaining, or injuring personal property, except an action mentioned in ORS 12.137. ORS 31.610 then allocates a negligence judgment: each person’s several share is the total damages found by the trier of fact, with no reduction for settlement or contribution, multiplied by that person’s fault percentage. A motion within one year after the judgment is final can reallocate an uncollectible share, including the claimant’s fault percentage. A technology contract that is not in the excepted sections uses six years. A negligence verdict uses the several-share formula. An E&O policy’s notice condition is separate from both. 1,2

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 Oregon

  • Professional-malpractice and construction pleadings may leave the six-year contract row

    Section 12.080(1) excepts actions mentioned in ORS 12.070, 12.110, and 12.135, and it yields where ORS 72.7250 provides otherwise. The chapter’s own index describes 12.110 as covering certain personal injuries not arising on contract and an action for professional malpractice. A technology claim pleaded as professional negligence can be in that exception. Read 12.110 and 12.135 before you tell a customer the contract period is six years. 1

  • Injury to personal property is also six years, with its own exception

    Subsection (4) gives six years for taking, detaining, or injuring personal property, including specific recovery, except an action mentioned in ORS 12.137. Damage to a customer’s equipment can be this action or a contract action. Both are six years on this section, and the exceptions differ. Identify the subsection before you pick an accrual date. 1

  • The several share uses the full damages figure, then the fault percentage

    ORS 31.610 states the share as total damages found by the trier of fact, without reducing that total for amounts paid in settlement or by contribution, multiplied by the person’s percentage of fault. An uncollectible share can be reallocated on a motion made not later than one year after the judgment becomes final by lapse of the time for appeal or after appellate review. The reallocation includes the claimant’s own fault percentage. This is a negligence allocation. It is not a way to divide a contract fee. 2

Who Regulates Insurance in Oregon

Oregon Division of Financial Regulation

DFR handles complaints about most insurance lines and provides Oregon license checks for agents, agencies, and insurers. You can use its consumer complaint form if an insurer or agent is not following Oregon law or rules. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 2% of Oregon-home-state gross premiums, plus 0.3% on premium or fees for fire marshal For Oregon-home-state risks, the surplus-lines licensee must collect a 2% tax on gross premiums and a 0.3% fire-marshal tax on premium or fees, in addition to the premium. Oregon requires the policy to warn that losses will not be paid by the state guaranty fund; the exempt-commercial-purchaser search exception requires admitted-market disclosure and a written request. 6,7,8,9

Surplus Line Association of Oregon

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

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-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
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’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
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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 Oregon

  1. Is the claim inside ORS 12.080, or is it excepted by 12.070, 12.110, 12.135, or 72.7250?
  2. If equipment was damaged, does subsection (4) apply, and is ORS 12.137 in the way?
  3. For a negligence verdict, what is the several share under ORS 31.610, and is anyone’s share uncollectible inside the one-year motion window?

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

How long is an Oregon contract action? 1

ORS 12.080 requires an action upon a contract or liability, express or implied, to be commenced within six years, excepting actions mentioned in ORS 12.070, 12.110, and 12.135, and except as ORS 72.7250 otherwise provides. 1

How does Oregon compute one defendant’s share of a negligence judgment? 2

ORS 31.610 multiplies the total damages found by the trier of fact, with no reduction for settlement or contribution, by that person’s fault percentage. An uncollectible share may be reallocated on a motion within one year after the judgment is final. 2

Technology Errors And Omissions (E&O) in Other States

Other Coverage in Oregon

Sources

  1. ORS 12.080, Action on certain contracts or liabilities. Oregon Legislature; Six years for a contract or liability, express or implied, with the exceptions in subsections (1) and (4). Accessed 2026-09-29.
  2. ORS 31.610, Several liability. Oregon Legislature; Several share equals total damages, unreduced by settlement or contribution, times the fault percentage; one-year reallocation motion. Accessed 2026-09-29.
  3. oregon insurance regulator. State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services. Accessed 2026-09-28.
  4. DFR Check a License. State insurance regulator; Insurance industry section links Oregon agent, agency, and company license-status search in NAIC SBS. Accessed 2026-09-28.
  5. DFR File a Complaint. State insurance regulator; Online insurance complaint form; DFR says it can review whether a company or agent follows Oregon law and rules. Accessed 2026-09-28.
  6. Oregon Revised Statutes §735.470. Oregon Legislature; Subsections (1)(a)–(c), (4): 2% on Oregon-home-state gross premiums plus 0.3% of premium or fees for fire marshal; licensee collects taxes in addition to premium. Accessed 2026-09-28.
  7. Oregon Revised Statutes §§735.405, 735.410, 735.470. Oregon Legislature; ORS 735.470(1)(a) taxes Oregon-home-state risks; ORS 735.418 authorizes interstate allocation procedures. Accessed 2026-09-28.
  8. Surplus Lines Insurance. Oregon Division of Financial Regulation; Page states surplus-lines insurance through a nonlicensed insurer is not protected by the Oregon Insurance Guaranty Association. Accessed 2026-09-28.
  9. Oregon Revised Statutes §§735.405, 735.410 and 735.415. Oregon Legislature; 2025 Edition online text: §§735.405(6), 735.410(1)–(2), 735.415(1)(b)–(2); current chapter text includes the ECP definition, diligence rule, disclosure/written-request exception, and policy warning against guaranty fund coverage. 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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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