--- title: "Can a software vendor assume its technology policy also addresses agency or program work?" description: "Do not assume that. Software, producer services, and delegated work are different operations to describe in the submission; ask the insurer which are listed and how the form treats each." canonical: "https://spot.insure/industries/insurance/does-software-vendor-coverage-extend-to-agency-work" page-type: "industry-faq" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/industries/insurance/does-software-vendor-coverage-extend-to-agency-work) # Can a software vendor assume its technology policy also addresses agency or program work? Do not assume that. Software, producer services, and delegated work are different operations to describe in the submission; ask the insurer which are listed and how the form treats each. [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) Describe software, placement, administration, claims, and authority functions separately, including the entity performing each one. Ask the insurer which of those services the application and policy identify. [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm), [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) Request the insuring agreement, professional-services definition, insured-entity schedule, relevant exclusions, and any issued endorsement. A technology or professional-liability label alone is not an answer. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) ## 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 Insurance and Insurtech Insurance Buying Guide](https://spot.insure/industries/insurance) ## More Insurance and Insurtech Questions - [Does a California producer license class show that a policy fits an insurtech?](https://spot.insure/industries/insurance/does-a-producer-license-class-prove-policy-fit) ## Coverage to Discuss - [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) - [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) - [Cyber liability](https://spot.insure/coverage/cyber) - [Crime](https://spot.insure/coverage/crime) - [Directors and officers](https://spot.insure/coverage/directors-officers) - [Employment practices liability](https://spot.insure/coverage/employment-practices) ## Sources and Further Reading - [Agents & Brokers Overview](https://www.insurance.ca.gov/0200-industry/) — California Department of Insurance. Producer License Status Inquiry; California only; accessed 2026-09-28. California-only tool to check listed intermediary license status and discipline history. - [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) — California Department of Insurance. License Classes Listed in Alphabetical Order; California license classes only; accessed 2026-09-28. California producer class list; it does not determine which class a business activity requires or whether a policy fits. - [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) — Office of the Comptroller of the Currency, Federal Reserve Board, and Federal Deposit Insurance Corporation. Joint release, bank third-party relationship lifecycle and fintech examples; accessed 2026-09-28. Bank-side guidance for service-provider diligence and contracts, not an insurance mandate. - [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) — National Association of Insurance Commissioners. General liability, what it does not cover, and other business insurance types; accessed 2026-09-28. Generic line explanations and distinctions; not insurance or insurtech-specific response evidence. - [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) — National Association of Insurance Commissioners. Cyber risks and cyber insurance; page background last updated May 9, 2024; accessed 2026-09-28. General cyber customization context; not a policy form. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Form 700, revised June 14, 2024; commercial property and covered causes, crime, commercial general liability, time element, workers compensation, and rating sections; accessed 2026-09-28. Commercial line definitions and quote review from California’s regulator; keep legal examples California-specific. This guide is general insurance buying education, not a producer-licensing determination or coverage opinion. Confirm licensing and regulatory questions for each jurisdiction and review policy wording with the broker and insurer. Updated 2026-09-28. [Editorial Policy](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/insurance/does-software-vendor-coverage-extend-to-agency-work.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)