Get Started

Technology E&O Insurance in Utah

Utah Code section 70A-2a-506 says an action for default under a lease contract, including breach of warranty or indemnity, must be commenced within four years after the cause of action accrued. The original lease may reduce that period to not less than one year. Default accrues when the act or omission is or should have been discovered, or when the default occurs, whichever is later. An indemnity against liability accrues on discovery of the act or omission. An indemnity against loss accrues when the indemnified person pays. Section 25-5-4 says listed agreements are void unless the agreement, or a note or memorandum of it, is in writing and signed by the party to be charged. The list includes every agreement that by its terms is not to be performed within one year from the making of the agreement, and every promise to answer for the debt or default of another. A multi-year technology services contract that cannot be performed within one year needs that signed writing. A leased server or device is on the four-year lease clock. 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 Utah

  • The lease period is four years, and the contract may cut it to one year but not below

    Section 70A-2a-506(1) allows the original lease contract to reduce the four years to not less than one year. A clause that tries to require suit in six months is below that floor. The section covers default, breach of warranty, and indemnity under a lease contract. It does not by its words cover a pure services engagement with no lease. It does not apply to causes of action that accrued before July 1, 1990, and it does not change the law on tolling. 1

  • Accrual is the later of discovery and the default, and indemnity splits in two

    Subsection (2) accrues a default claim when the act or omission is or should have been discovered by the aggrieved party, or when the default occurs, whichever is later. Indemnity against liability accrues when the act or omission is or should have been discovered by the indemnified party. Indemnity against loss or damage accrues when that person makes payment. A vendor asked to indemnify a customer for a third-party claim should ask which of those two indemnity clocks the clause creates. If a timely action ends in a way that leaves another remedy, subsection (3) allows a new action within six months after termination, unless the first case was voluntarily dropped or dismissed for failure to prosecute. 1

  • A promise that cannot be performed within one year is void without a signed writing

    Section 25-5-4(1)(a) makes void every agreement that by its terms is not to be performed within one year from the making of the agreement, unless the agreement or a memorandum is in writing and signed by the party to be charged. A three-year managed-service term is in that sentence. A project that can be finished within a year is not, even if it in fact runs long. Subsection (1)(b) separately requires a signed writing for a promise to answer for someone else’s debt or default. An oral guarantee of a subsidiary’s technology fees is that promise. 2

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

  • At-Bay

    At-Bay Insurance Services LLC

    Insurance producer, Surplus-lines broker · checked 2026-09-28

    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. 11

    At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.

  • Coalition

    Coalition Insurance Solutions, Inc.

    Insurance producer, Surplus-lines broker · checked 2026-09-28

    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. 12

    Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.

  • Corgi

    Corgi Insurance Services, Inc.

    Insurance producer · checked 2026-09-28

    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. 13

    Corgi lists technology errors and omissions insurance for technology products and services.

  • TechInsurance

    Specialty Program Group LLC

    Insurance producer · checked 2026-09-28

    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. 16

    TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.

  • Vouch

    Vouch Specialty Insurance Services, LLC

    Insurance producer, Surplus-lines broker · checked 2026-09-28

    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. 17

    Vouch lists technology errors and omissions among the core coverages in its technology-company programs.

Who Regulates Insurance in Utah

Utah Insurance Department

The Utah Insurance Department regulates licensed insurance companies and producers, offers a public licensee search, and accepts complaints about property/casualty insurance. Complaint jurisdiction depends on policy type and place of issue; employer self-funded plans are outside the Department’s authority. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate. 4.25% of gross premium including policy fees, plus 0.18% stamping fee 6,7,8,9,10

For Utah-home-state surplus-lines coverage, Utah charges 4.25% of gross premiums including policy fees, less returned premiums, and the Surplus Line Association of Utah collects a 0.18% stamping fee. Utah law requires a policy notice that the nonadmitted insurer is not protected by any Utah guaranty association; the state’s current guidance says a good-faith admitted-market effort is generally required unless the coverage is on the export list.

Surplus Line Association of Utah

Questions to Ask Before You Buy in Utah

  1. Is the deal a lease contract under section 70A-2a-506, and did the lease shorten the four years to something still at least one year?
  2. Did the default accrue at discovery or at the default, whichever is later, and is the indemnity against liability or against loss?
  3. By its terms, can the services agreement be performed within one year, or does section 25-5-4 require a writing signed by the party to be charged?

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

How long is a Utah suit for default under a technology lease? 1

Section 70A-2a-506 says four years after accrual. The original lease may reduce that period to not less than one year. Accrual is when the act or omission is or should have been discovered, or when the default occurs, whichever is later. 1

Does a long Utah technology contract have to be signed? 2

Section 25-5-4 says an agreement that by its terms is not to be performed within one year from its making is void unless it, or a memorandum of it, is in writing and signed by the party to be charged. 2

Sources

  1. Utah Code § 70A-2a-506, Statute of limitations. Utah Legislature; Four years for default under a lease contract, including warranty and indemnity; the lease may reduce the period to not less than one year. Accessed 2026-09-29.
  2. Utah Code § 25-5-4, Agreements void unless written and signed. Utah Legislature; An agreement that cannot be performed within one year, and a promise to answer for another’s debt, is void unless signed by the party to be charged. Accessed 2026-09-29.
  3. utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
  4. Utah Insurance Department Licensee Search. State insurance regulator; Official search provides public contact information and verifies agent or agency licensing status. Accessed 2026-09-28.
  5. Utah Insurance Department Complaints. State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits. Accessed 2026-09-28.
  6. Utah Code §31A-3-301. Utah Legislature; Effective October 14, 2025; 4.25% of gross premium including fees; cancellation/return premium deductions and statutory exclusions. Accessed 2026-09-28.
  7. Utah Code §31A-3-303. Utah Legislature; §31A-3-301(4): premiums for surplus-lines insurance are taxable in full when Utah is the home state; subject to §31A-3-305 interstate allocation agreements for multistate risks. Accessed 2026-09-28.
  8. Excess & Surplus Lines Insurance. Utah Insurance Department; Current FAQ: tax 4.25% of gross premiums including fees; stamping fee 0.18%; SLA Utah is stamping office; submission within 60 days. Accessed 2026-09-28.
  9. Utah Code §31A-15-103(8)(c). Utah Legislature; Surplus-lines policy must contain statutory notice that the insurer is not licensed and receives no protection from any guaranty associations under Title 31A, Chapter 28. Accessed 2026-09-28.
  10. Excess & Surplus Lines Insurance. Utah Insurance Department; Current surplus-lines guidance: good-faith effort to place with admitted insurer is general rule; export-list coverage does not require diligent search, while off-list coverages require normal search procedures. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.

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

Other coverage in UtahEvery coverage guide for Utah, plus the regulator and surplus-lines details.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot