Professional Liability vs General Liability: What’s the Difference?
Tech E&O may cover a client’s claim over lost data from a technology service; cyber coverage may pay your own recovery and breach-response costs.
A cloud backup failure can create two claims: a client may seek damages for its lost data, while your business may need to restore files. Tech E&O and cyber policies can treat those costs separately.
Check service definitions, data and restoration terms, backup conditions, security failures, vendor systems, and exclusions. Ask whether the client must make a claim or first-party cyber coverage can pay recovery costs.
