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Technology E&O Insurance in South Carolina

Code section 15-3-530 gives three years for an action upon a contract, obligation, or liability, express or implied, excepting those provided for in section 15-3-520. The same section gives three years for a liability created by statute other than a penalty or forfeiture, and for taking, detaining, or injuring goods. Section 15-38-15, in the text effective January 1, 2026, changes the negligence allocation. A defendant whose fault is less than 50 percent of the total fault of all defendants, other tortfeasors, and the plaintiff’s comparative negligence is liable only for that percentage of indivisible damages. The heading of the section identifies willful, reckless, and drug exceptions in later subsections. A technology dispute pleaded in contract uses the three-year period. The same incident pleaded as negligence uses the 50 percent fault line, and the exceptions have to be read before the several-only rule is treated as universal. 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 South Carolina

  • Three years has a list of contracts that use a different section

    Section 15-3-530(1) excepts actions provided for in section 15-3-520. Check that section before you calendar three years from accrual. Subsection (5) is a separate three-year period for injury to the person or rights of another not arising on contract. A pleading that mixes unpaid fees and bodily injury can carry two accrual dates. The E&O notice clause is independent of both. 1

  • Injury to goods is also three years under this section

    Subsection (4) covers taking, detaining, or injuring any goods or chattels, including an action for specific recovery of personal property. Damage to a customer’s hardware from a bad integration can be this action or a contract action. Both rows on this page are three years, and they are not interchangeable for accrual. Identify the row before you tell a customer the claim is time-barred. 1

  • Under 50 percent of total fault, the share of indivisible damages is several

    The January 1, 2026 text of section 15-38-15 measures a defendant’s fault against the total fault of the other defendants, other tortfeasors, and the plaintiff’s comparative negligence. Below 50 percent, that defendant is liable only for its percentage of indivisible damages. The section heading points to later subsections on willful or reckless conduct and on drugs. Those subsections are part of the same statute and can take a claim out of the several-only rule. Read them before you assume every technology negligence verdict is several only. 2

Who Regulates Insurance in South Carolina

South Carolina Department of Insurance

The South Carolina Department of Insurance licenses and regulates insurance companies and producers and accepts complaints involving entities it licenses and policies incepted in South Carolina. Its consumer page links to the online complaint form and explains limits on the Department’s authority. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 6% blended broker premium tax: 4% state plus 2% municipal SCDOI’s January 2026 instructions set a 6% blended surplus-lines broker premium tax: 4% state and 2% municipal; the Department collects both and the Municipal Association of South Carolina allocates the municipal share. The filing system also asks brokers to identify one to three insurers that declined the indicated coverage; check the policy notice for any guaranty-association disclosure. 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 South Carolina. 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
  • 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. 13
  • 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. 14

Questions to Ask Before You Buy in South Carolina

  1. Is the claim a contract action under section 15-3-530(1), or one of the actions reserved to section 15-3-520?
  2. If goods were damaged, which three-year subsection applies and when did it accrue?
  3. Is any defendant’s fault under 50 percent of the total, and do the willful, reckless, or drug subsections of section 15-38-15 apply?

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

How long is a South Carolina contract lawsuit period? 1

Section 15-3-530(1) says within three years an action upon a contract, obligation, or liability, express or implied, excepting those provided for in section 15-3-520. 1

When does a South Carolina defendant pay only its percentage? 2

Under section 15-38-15 as effective January 1, 2026, a defendant at less than 50 percent of total fault, counting other defendants, other tortfeasors, and the plaintiff’s comparative negligence, is liable only for that percentage of indivisible damages. Later subsections in the same section address willful, reckless, and drug cases. 2

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

Other Coverage in South Carolina

Sources

  1. S.C. Code § 15-3-530, Three years. South Carolina Legislature; Three years for a contract action except those in section 15-3-520, and three years for injury to goods. Accessed 2026-09-29.
  2. S.C. Code § 15-38-15, Several liability. South Carolina Legislature; Text effective January 1, 2026: defendants under 50 percent of total fault are liable only for their percentage of indivisible damages. Accessed 2026-09-29.
  3. south-carolina insurance regulator. State insurance regulator; Official home and consumer services pages describe regulator scope. Accessed 2026-09-28.
  4. SCDOI Online Services. State insurance regulator; General Public offers Licensee Lookup for licensed individuals and insurers. Accessed 2026-09-28.
  5. SCDOI Consumer Services. State insurance regulator; Complaint process and stated authority covers licensed entities and policies incepted in SC; online complaint form is linked. Accessed 2026-09-28.
  6. 2026 Surplus Lines Filing Instructions. South Carolina Department of Insurance; Pages 1–2, January 26 2026 memo: 6% blended rate, 4% state plus 2% municipal; DOI collects both and MASC allocates municipal portion. Accessed 2026-09-28.
  7. 2026 Surplus Lines Filing Instructions. South Carolina Department of Insurance; Pages 1–2, Jan. 26, 2026 instructions: broker filing due-diligence field requires one to three named insurers declining the indicated coverage. 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. 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.
  14. 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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