---
title: "When should a device company ask about technology errors and omissions?"
description: "Ask when you sell a connected service, host software, integrate systems, or promise technical performance under a customer contract."
canonical: "https://spot.insure/industries/consumer-electronics/when-to-discuss-technology-eo"
page-type: "industry-faq"
updated-at: "2026-09-28"
---

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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. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm)

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. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm)

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. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm)

## Need Help Choosing Coverage?

Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you.

[Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation)

[Read the Consumer Electronics Insurance Buying Guide](https://spot.insure/industries/consumer-electronics)

## More Consumer Electronics Questions

- [Does compliant battery shipping mean the shipment is insured?](https://spot.insure/industries/consumer-electronics/does-battery-shipping-compliance-insure-the-shipment)

## Coverage to Discuss

- [Product liability](https://spot.insure/coverage/product-liability)
- [Commercial property](https://spot.insure/coverage/commercial-property)
- [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine)
- [Cyber liability](https://spot.insure/coverage/cyber)
- [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions)

## Sources and Further Reading

- [47 CFR § 2.803 — Marketing of radio frequency devices prior to equipment authorization](https://www.ecfr.gov/current/title-47/chapter-I/subchapter-A/part-2/subpart-I/section-2.803) — 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.
- [Lithium Battery Guide for Shippers](https://www.phmsa.dot.gov/regulatory-compliance/phmsa-guidance/lithium-battery-guide-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.
- [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity) — Federal Trade Commission. NIST Cybersecurity Framework, Govern, lines 51–57
  FTC small-business cybersecurity guidance for risk-management planning, not policy coverage.
- [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — 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.
- [Launch your business](https://cdn.www.sba.gov/counseling/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](https://spot.insure/editorial-policy).

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