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Technology E&O Insurance in Rhode Island

Rhode Island General Laws section 6A-2-719 is the sales-article rule on remedy limits. If an exclusive or limited remedy fails of its essential purpose, remedy may be had as title 6A provides. Consequential damages may be limited or excluded unless the limitation or exclusion is unconscionable. Limitation of consequential damages for injury to the person in the case of consumer goods is prima facie unconscionable, and limitation of damages where the loss is commercial is not. Section 9-20-4, as amended in 2019, is the negligence rule: the fact that the plaintiff failed to use due care, and the fact that a danger was open and obvious, do not bar recovery, and damages are diminished. A goods contract and a negligence injury from a technology installation are different pleadings. The E&O form has to be checked for both consequential-damage definitions and bodily-injury exclusions. 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 Rhode Island

  • The remedy limit is a sales rule, and commercial loss is treated differently from consumer injury

    Section 6A-2-719(3) allows a consequential-damages limit unless it is unconscionable. Injury to the person from consumer goods makes the limit prima facie unconscionable. A commercial loss does not get that presumption. A hosted software subscription is not, by this section’s title, automatically a sale of goods. Use the section when the deal is a sale of goods, and do not copy a consumer-goods waiver into a business-to-business services contract and assume it is valid. 1

  • Failure of essential purpose brings back the title’s remedies

    Subsection (2) says that where circumstances cause an exclusive or limited remedy to fail of its essential purpose, remedy may be had as provided in title 6A. A repair-or-replace clause that never produces a working copy does not remain the customer’s only remedy. The history note is P.L. 1960, ch. 147. 1

  • Open-and-obvious and the plaintiff’s own lack of care reduce damages instead of ending the case

    Section 9-20-4, enacted in the 2019 public laws chapters 185 and 256, says the plaintiff’s want of due care does not bar recovery, and neither does an open and obvious danger. Damages are diminished in proportion to the amount of negligence attributable to the plaintiff. A customer who clicked through a warning, or who walked into an obvious installation hazard, can still recover a reduced amount. The section does not divide a contract price. 2

Who Regulates Insurance in Rhode Island

Rhode Island Department of Business Regulation, Insurance Division

The DBR Insurance Division provides an online public verification service for producers, adjusters, surplus-lines brokers, and other licensees, and accepts insurance complaints online. Contact the Division for help determining whether it has authority over a particular policy or dispute. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4% of net taxable premium; 2018 filing guide excludes listed broker, carrier and inspection fees Rhode Island’s 2024 return applies 4% to net taxable premium (gross premium less returned premium); its 2018 filing guide excludes broker, carrier, and inspection fees from the base. Confirm fee treatment with the Division of Taxation if your bill separates those charges, because no newer official fee-base guidance was located. 6,7

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 Rhode Island. 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. 8
  • 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. 9
  • 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. 10
  • 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. 13

Questions to Ask Before You Buy in Rhode Island

  1. Is the engagement a sale of goods under section 6A-2-719, and is the loss a consumer personal injury or a commercial loss?
  2. Has a limited remedy failed of its essential purpose?
  3. If the claim is negligence, how does section 9-20-4 diminish damages for the plaintiff’s lack of care or an open and obvious condition?

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

Can a Rhode Island sales contract exclude consequential damages? 1

Section 6A-2-719(3) says consequential damages may be limited or excluded unless the limitation or exclusion is unconscionable. A limit for personal injury from consumer goods is prima facie unconscionable. A limit where the loss is commercial is not. 1

Does a customer’s carelessness bar a Rhode Island negligence claim? 2

Section 9-20-4 says no. Failure to use due care, and an open and obvious danger, do not bar recovery. Damages are diminished by the plaintiff’s negligence. 2

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

Other Coverage in Rhode Island

Sources

  1. R.I. Gen. Laws § 6A-2-719, Contractual modification or limitation of remedy. Rhode Island General Assembly; P.L. 1960, ch. 147: consequential-damages limits and the consumer-goods presumption. Accessed 2026-09-29.
  2. R.I. Gen. Laws § 9-20-4, Comparative negligence. Rhode Island General Assembly; P.L. 2019, ch. 185 and ch. 256: lack of due care and open-and-obvious conditions diminish damages and do not bar recovery. Accessed 2026-09-29.
  3. rhode-island insurance regulator. State insurance regulator; DBR Insurance Division overview links to complaint, license lookup, statutes, and regulations. Accessed 2026-09-28.
  4. DBR License Status Verification. State insurance regulator; Official page identifies online NAIC-partnered status checks for producers, adjusters, motor vehicle appraisers, surplus-lines brokers, and reinsurance intermediaries. Accessed 2026-09-28.
  5. DBR Insurance Consumers. State insurance regulator; Official consumer page explains the division's regulated insurance lines and online complaint route. Accessed 2026-09-28.
  6. 2025 T-71A Surplus Line Broker Return of Gross Premiums. Rhode Island Division of Taxation; 2025 return, p. 1, lines 1–4: net taxable premium is gross premium less returned premiums; 4% tax; filing due April 1, 2026. Accessed 2026-09-28.
  7. Guide to Tax Filings for Surplus Lines. Rhode Island Division of Taxation; 2018 Guide to tax filings, surplus-lines section: gross premium for tax purposes excludes carrier, broker, and inspection fees; no newer official fee-base instruction located as of 2026-09-28. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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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