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When should a device company ask about technology errors and omissions?

Ask when you sell a connected service, host software, integrate systems, or promise technical performance under a customer contract.[4]

Send the statement of work, service description, uptime or security commitments, indemnity clauses, and list of cloud dependencies. A hardware-only product schedule may not describe that work.[4]

Have the broker compare the service allegations addressed by any technology E&O proposal with product, cyber, and general liability forms. Confirm boundaries and exclusions in writing.[4]

Read the Consumer Electronics Insurance Buying Guide

Sources and Further Reading

  1. 47 CFR § 2.803 — Marketing of radio frequency devices prior to equipment authorization — Office of the Federal Register, Electronic Code of Federal Regulations (eCFR). Current text, paragraphs (a)–(c), lines 109–145; eCFR states Title 47 current as of 2026-09-24

    Current eCFR text on applicable RF-device marketing and authorization rules.

  2. Lithium Battery Guide for Shippers — U.S. Department of Transportation, Pipeline and Hazardous Materials Safety Administration. Guide overview and shipment-configuration examples.

    PHMSA’s October 2024 guide reflects May 2024 requirements and varies by battery type and shipment configuration; check current rules.

  3. Cybersecurity for Small Business — Federal Trade Commission. NIST Cybersecurity Framework, Govern, lines 51–57

    FTC small-business cybersecurity guidance for risk-management planning, not policy coverage.

  4. Commercial Insurance Guide — California Department of Insurance. Commercial Insurance Guide, revised June 14, 2024: purchasing coverage, commercial property, inland marine, boiler and machinery, commercial general liability, and workers compensation.
  5. Launch your business — U.S. Small Business Administration. Pick the type of business insurance you need; product liability row

Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.

Updated 2026-09-28. Editorial Policy

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