--- title: "Technology E&O Insurance in Pennsylvania" description: "A written technology contract is generally four years, and a defendant at 60 percent of the apportioned liability can be jointly liable for the whole award." canonical: "https://spot.insure/coverage/technology-errors-omissions/pennsylvania" 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/pennsylvania) # Technology E&O Insurance in Pennsylvania Title 42, section 5525, gives four years for an action on a contract for the sale, construction, or furnishing of tangible personal property or fixtures, for an express contract not founded on a writing, for a contract implied in law unless another limitation in the subchapter applies, and for a contract, obligation, or liability founded on a writing that is not a bond or note, under seal or otherwise, unless another limitation in the subchapter applies. Sales-of-goods actions that are subject to 13 Pa.C.S. § 2725 are also listed in the four-year section. Section 7102 then handles negligence that causes death or injury to person or property. The plaintiff’s negligence does not bar recovery when it was not greater than the causal negligence of the defendants, and damages are diminished by the plaintiff’s share. Each defendant’s liability is several unless the case is intentional misrepresentation, an intentional tort, a hazardous-substance release, a Liquor Code section 497 violation, or the defendant is held liable for at least 60 percent of the total liability apportioned to all parties.[^1][^2] **Coverage:** [Technology errors and omissions (E&O)](/coverage/technology-errors-omissions) · [Pennsylvania](/coverage/states/pennsylvania) ## 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 Pennsylvania ### A signed services contract and a sale of hardware are different paragraphs of the same four-year section Section 5525(a)(8) is the row for a contract, obligation, or liability founded upon a writing other than the bond or note in paragraph (7), under seal or otherwise, except an action subject to another limitation in the subchapter. Paragraph (1) is a contract for the sale, construction, or furnishing of tangible personal property or fixtures. Paragraph (2) points to the sales-article period in 13 Pa.C.S. § 2725. A statement of work for services is paragraph (8) if it is a writing and no other limitation applies. A contract to furnish hardware can be paragraph (1). An oral express contract is paragraph (3), still four years.[^1] ### The plaintiff’s negligence bars the case only when it is greater than the defendants’ causal negligence Section 7102(a) applies to negligence resulting in death or injury to person or property. Recovery is allowed when the plaintiff’s negligence was not greater than the causal negligence of the defendant or defendants against whom recovery is sought. Damages are then diminished in proportion to the negligence attributed to the plaintiff. Equal negligence is not greater, so it does not bar the claim. The section does not split a contract price.[^2] ### Sixty percent of the apportioned liability makes the judgment joint Section 7102(a.1) makes a defendant’s liability several, with a separate judgment for that defendant’s apportioned share, except the actions in paragraph (3). Those actions are intentional misrepresentation, an intentional tort, a defendant held liable for not less than 60 percent of the total liability apportioned to all parties, a release or threatened release of a hazardous substance under the Hazardous Sites Cleanup Act, and a civil action for a violation of Liquor Code section 497. A technology defendant at 60 percent can be jointly liable for the total dollar amount awarded. A defendant who pays more than its share can seek contribution from defendants who paid less.[^2] ## Who Regulates Insurance in Pennsylvania **Pennsylvania Insurance Department.** The Pennsylvania Insurance Department publishes state tools to check licensed producers, agencies, and insurers, and its Consumer Services Online portal accepts complaints about insurers, agents, brokers, and public adjusters. The department also oversees Pennsylvania insurance business and consumer services.[^3][^4][^5] - [Regulator website](https://www.pa.gov/agencies/insurance.html) - [License lookup](https://www.pa.gov/agencies/insurance/resources/search-tool-library) - [File a complaint](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium (2% for eligible surplus-lines risk retention groups) Pennsylvania charges 3% of gross surplus-lines premiums (2% for an eligible surplus-lines risk-retention group); the tax is in addition to premium, is borne by the insured, and is collected by the producer. For multistate risks, the 2025 Revenue instructions say all gross premiums are taxable when Pennsylvania is the home state, while Insurance Company Law §1621(d) says tax is levied only on premium reasonably ascribable to Pennsylvania risk; confirm allocation with your producer or the state. Surplus-lines coverage is excluded from the guaranty association, and qualifying large risks or exempt commercial purchasers may use distinct no-search routes, with the ECP route requiring disclosure and written request.[^6][^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 Pennsylvania; [check the regulator’s license lookup](https://www.pa.gov/agencies/insurance/resources/search-tool-library) 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. - [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] **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.[^16] **Coverage membership:** Vouch lists technology errors and omissions among the core coverages in its technology-company programs. ## Questions to Ask Before You Buy in Pennsylvania 1. Is the technology claim a writing under section 5525(a)(8), a furnishing of tangible property under paragraph (1), or a sale subject to 13 Pa.C.S. § 2725? 2. On a negligence injury, was the plaintiff’s negligence greater than the causal negligence of the defendants? 3. Is any defendant at 60 percent or more of the apportioned liability, or in one of the other joint-and-several categories in section 7102(a.1)(3)? ## Technology Errors And Omissions (E&O) in Pennsylvania: FAQ ### How long is a Pennsylvania suit on a written technology contract? Section 5525(a)(8) requires an action on a contract, obligation, or liability founded on a writing, other than a bond or note, to be commenced within four years, unless another limitation in the subchapter applies. A contract to sell or furnish tangible personal property is also four years under paragraph (1).[^1] ### When can one Pennsylvania defendant owe the whole negligence award? Section 7102(a.1) makes liability several except for intentional misrepresentation, an intentional tort, hazardous-substance releases, a Liquor Code section 497 violation, and a defendant held liable for at least 60 percent of the total liability apportioned to all parties. In those cases the judgment is joint and several for the total damages.[^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) - [Oklahoma](/coverage/technology-errors-omissions/oklahoma) - [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) - [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 Pennsylvania](/coverage/states/pennsylvania) ## Sources [^1]: [42 Pa.C.S. § 5525, Four year limitation](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/42/00.055.025.000..HTM) — Pennsylvania General Assembly; Four years for a written contract not otherwise limited, for tangible personal property, and for an express contract that is not in writing. Accessed 2026-09-29. [^2]: [42 Pa.C.S. § 7102, Comparative negligence](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/42/00.071.002.000..HTM) — Pennsylvania General Assembly; Recovery if the plaintiff’s negligence is not greater than the defendants’ causal negligence; joint liability at 60 percent and for the other actions in subsection (a.1)(3). Accessed 2026-09-29. [^3]: [pennsylvania insurance regulator](https://www.pa.gov/agencies/insurance.html) — State insurance regulator; PID official agency page and the search/consumer-help service map.. Accessed 2026-09-28. [^4]: [Pennsylvania Insurance Industry Search Tool Library](https://www.pa.gov/agencies/insurance/resources/search-tool-library) — State insurance regulator; PID identifies consumer Sircon and detailed individual, business-entity, and company search tools.. Accessed 2026-09-28. [^5]: [File a Complaint with Your Insurance Company, Agent, Broker, or Public Adjuster](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) — State insurance regulator; PID directs insurance complaints and questions to its Consumer Services Online portal.. Accessed 2026-09-28. [^6]: [RCT-123 Gross Premiums Tax - Surplus Lines Agents (2025)](https://www.pa.gov/content/dam/copapwp-pagov/en/revenue/documents/formsandpublications/formsforbusinesses/corporationtax/documents/2025/2025_rct-123.pdf) — Pennsylvania Department of Revenue; Instructions p. 4, imposition/base/rate: 3% on gross premiums; insured bears tax, producer collects/remits; RRG exception 2% per statute.. Accessed 2026-09-28. [^7]: [Insurance Company Law, §1621](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2010/0/0014..HTM) — Pennsylvania General Assembly; Subsection (d): multi-state tax is levied only on premium reasonably ascribable to Pennsylvania risk. This differs from the 2025 RCT-123 instructions, which state all gross premiums taxable if PA is home state; see source tax.. Accessed 2026-09-28. [^8]: [Insurance Department Act, surplus-lines notice provision](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0178..HTM) — Pennsylvania General Assembly; Policy legend: insurer is not licensed and surplus-lines insurance is NOT covered by Pennsylvania Insurance Guaranty Association.. Accessed 2026-09-28. [^9]: [Pennsylvania Insurance Company Law §§1604 and 1610 (40 P.S. §§991.1604, 991.1610)](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2011/0/0028..HTM) — Pennsylvania General Assembly; Act 28 of 2011 §1610(a), (a.1): large-risk criteria and ECP disclosure followed by written request exempt from diligent-search requirements.. 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]: [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). 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