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Technology E&O Insurance in Texas

Civil Practice and Remedies Code section 16.004(a) requires suit not later than four years after accrual on specific performance of a contract to convey real property, a penalty or damages on the penal clause of a bond to convey real property, debt, fraud, or breach of fiduciary duty. Subsection (c) uses the same four years for a partnership-account settlement and for an open, stated, or mutual merchant account, and it accrues those account claims on the day the dealings cease. Section 41.008 limits exemplary damages to the greater of two times economic damages plus noneconomic damages not exceeding $750,000, or $200,000. The cap does not apply to exemplary damages based on listed Penal Code felonies. An unpaid technology invoice pleaded as debt, or a claim that the vendor’s statements were fraud, uses the four-year period. A punitive count uses the exemplary-damages formula unless a listed felony takes it outside the section. 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 Texas

  • Unpaid fees are a debt action, not every theory of a failed project

    Section 16.004(a)(3) and (a)(4) put debt and fraud on a four-year clock from the day the cause of action accrues. The section does not say every breach of a services contract is a debt. A claim for money the customer agreed to pay is the debt row. A claim that the vendor misrepresented what the system would do is the fraud row. A claim for specific performance of a real-estate conveyance is a different row in the same subsection. Match the pleading to the row before you calendar four years. 1

  • Merchant and partnership accounts accrue when the dealings stop

    Subsection (c) requires suit within four years after accrual for a settlement of partnership accounts, an open or stated account, or a mutual and current account concerning the trade of merchandise between merchants or their agents or factors. For that subsection, accrual is the day the dealings in which the parties were interested together cease. A technology joint venture that is actually a partnership account uses that cessation date. A single invoice is not automatically this subsection. 1

  • The exemplary-damages ceiling is the greater of two calculations

    Section 41.008(b) caps exemplary damages at the greater of two times economic damages plus noneconomic damages found by the jury, not to exceed $750,000 of those noneconomic damages, or $200,000. Economic damages are found separately from other compensatory damages. Subsection (c) removes the cap when exemplary damages are based on conduct described as a felony in listed Penal Code sections, if, except for sections 49.07 and 49.08, the conduct was committed knowingly or intentionally. The list includes murder, specified assaults, fraud and theft felonies, intoxication assault, and intoxication manslaughter, and it continues. Read the full list before you treat either number as the maximum. 2

Who Regulates Insurance in Texas

Texas Department of Insurance

TDI licenses agents and insurers, reviews company rate filings, and investigates complaints against insurance companies and people it regulates. Its complaint page states limits on what it can resolve, including disputes outside its regulatory authority. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4.85% of gross premium plus 0.04% SLTX stamping fee When Texas is the insured’s home state, the state tax is 4.85% of gross premium; absent a compact allocation agreement, a multistate policy can be taxed on its entire premium. Policies effective on or after Jan. 1, 2024 also carry a 0.04% stamping fee; SLTX invoices the broker and says the insured pays it, and the surplus-lines insurer is not covered by the Texas guaranty association. 6,7,8

Surplus Lines Stamping Office of Texas

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 Texas. 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. 9
  • 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. 10
  • 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. 11
  • RisklyticsRisklytics, Inc.Insurance producer · checked 2026-09-28Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map. 14
  • 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 Texas

  1. Is the technology claim a debt, a fraud, a fiduciary-duty claim, or an account under section 16.004?
  2. If it is a partnership or merchant account, on what day did the dealings cease?
  3. Would exemplary damages fall under section 41.008(b), or under a listed Penal Code felony in subsection (c)?

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

How long does someone have to sue for an unpaid technology debt in Texas? 1

Section 16.004(a) says a person must bring suit for debt or for fraud not later than four years after the day the cause of action accrues. Partnership and merchant accounts in subsection (c) are also four years, measured from the day the dealings cease. 1

What is the Texas limit on exemplary damages? 2

Section 41.008(b) limits them to the greater of two times economic damages plus noneconomic damages not exceeding $750,000, or $200,000. Listed Penal Code felonies in subsection (c) are outside that limit. 2

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

Other Coverage in Texas

Sources

  1. Tex. Civ. Prac. & Rem. Code § 16.004, Four-year limitations period. Texas Legislature; Four years for debt, fraud, and breach of fiduciary duty, and for the partnership and merchant accounts in subsection (c). Accessed 2026-09-29.
  2. Tex. Civ. Prac. & Rem. Code § 41.008, Limitation on amount of recovery. Texas Legislature; Exemplary damages may not exceed the greater of two times economic damages plus noneconomic damages up to $750,000, or $200,000. Accessed 2026-09-29.
  3. texas insurance regulator. State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review. Accessed 2026-09-28.
  4. How to Find a Licensed Insurance Agent or Adjuster. State insurance regulator; TDI says search by agent name or license number and links to the state license search. Accessed 2026-09-28.
  5. Get Help with an Insurance Complaint. State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439. Accessed 2026-09-28.
  6. Texas Insurance Code §§225.002–225.004. Texas Legislature; §225.002 limits chapter to Texas-home-state insured; §225.004(a) 4.85%; (a-1) NRRA home-state limitation; (c) entire premium where Texas is home state and no compact agreement. Accessed 2026-09-28.
  7. Stamping Fees & Taxes. Surplus Lines Stamping Office of Texas; Current policy-date table lists 0.04% for inception 1/1/2024 and after; stamping fee invoices go to brokers; site says fee is paid by insured. Accessed 2026-09-28.
  8. Texas Surplus Lines Companies. Texas Department of Insurance; TDI says surplus-lines insurers are not licensed in Texas and its guaranty association member; eligibility/disclaimer and broker financial-responsibility details. Accessed 2026-09-28.
  9. 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. 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. 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. 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. 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. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  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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