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Technology E&O Insurance in Wisconsin

Wisconsin Statutes section 895.447 voids a provision that limits or eliminates tort liability as part of a contract for the construction, alteration, repair, or maintenance of a building, structure, or other work related to construction, including moving, demolition, or excavation. The section does not apply to an insurance contract or a workers’ compensation plan, and it does not apply to a contract entered into before July 1, 1978. Section 895.045(1) then allocates a negligence injury: recovery is allowed when the claimant’s negligence was not greater than the negligence of the person sued, a person under 51 percent of the causal negligence pays only that percentage, and a person at 51 percent or more is jointly and severally liable for the damages allowed. Parties in a common scheme are jointly and severally liable under subsection (2), except as section 895.043(5) provides. 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 Wisconsin

  • A building-systems contract cannot sign away tort liability

    Section 895.447(1) reaches any contract, covenant, or agreement relating to construction, alteration, repair, or maintenance of a building or structure, or other work related to construction. Controls programming, commissioning, and installed-system work that is part of that contract sit inside the sentence. A clause that says the integrator is not liable in tort for bodily injury or property damage from that work is against public policy and void. A standalone software license that has nothing to do with construction is outside the section’s stated subject. 1

  • The statute does not void the insurance contract itself

    Subsection (2) says the section does not apply to any insurance contract or workers’ compensation plan. An E&O or general-liability policy is not struck down by 895.447. What the section strikes is a construction-contract term that tries to eliminate tort liability. Buy the policy for the liability the construction contract cannot waive, and read the policy’s own professional-services and faulty-workmanship terms. 1

  • Fifty-one percent of causal negligence makes the share joint

    Section 895.045(1) measures the plaintiff’s negligence separately against each person found causally negligent. Below 51 percent, liability is limited to that percentage of total causal negligence. At 51 percent or more, the person is jointly and severally liable for the damages allowed. Subsection (2) adds joint and several liability for a common scheme or plan, notwithstanding subsection (1), except as section 895.043(5) provides. Use this statute for a negligence injury. It is not the measure of a pure unpaid-fee dispute. 2

Who Regulates Insurance in Wisconsin

Wisconsin Office of the Commissioner of Insurance

The Wisconsin Office of the Commissioner of Insurance administers Wisconsin insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of premium The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Wisconsin (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement. 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 Wisconsin. 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 Wisconsin

  1. Is our scope inside a construction, alteration, repair, or maintenance contract covered by section 895.447?
  2. Does the customer contract try to eliminate tort liability for that work, which the section voids?
  3. Is anyone’s causal negligence 51 percent or more, or is there a common scheme under section 895.045(2)?

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

Can a Wisconsin construction contract waive tort liability for installed technology? 1

Section 895.447 voids a provision that limits or eliminates tort liability in a contract relating to the construction, alteration, repair, or maintenance of a building, structure, or other construction-related work. It does not apply to an insurance contract, a workers’ compensation plan, or a contract entered before July 1, 1978. 1

When can one Wisconsin defendant owe more than its percentage? 2

Under section 895.045(1), a person whose causal negligence is 51 percent or more is jointly and severally liable for the damages allowed. A person under 51 percent is limited to that percentage. A common scheme or plan is joint and several under subsection (2), except as section 895.043(5) provides. 2

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

Other Coverage in Wisconsin

Sources

  1. Wis. Stat. § 895.447, Agreements to limit tort liability void. Wisconsin Legislature; Subsection (1) voids construction-contract limits on tort liability; subsection (2) excludes insurance contracts and workers’ compensation plans. Accessed 2026-09-29.
  2. Wis. Stat. § 895.045, Contributory negligence. Wisconsin Legislature; Subsection (1): 51 percent joint-and-several threshold; subsection (2): common-scheme liability. Accessed 2026-09-29.
  3. Wisconsin Office of the Commissioner of Insurance. Wisconsin Office of the Commissioner of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
  4. Insurance Department Directory. National Association of Insurance Commissioners; Wisconsin Office of the Commissioner of Insurance entry; official contact and website listing. Accessed 2026-09-28.
  5. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WI row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
  6. Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
  7. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  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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