---
title: "What Does Software Company E&O Insurance Cover?"
description: "Some technology E&O policies offer limited IP cover; other professional E&O forms exclude copyright, trademark, patent, or trade-secret claims."
canonical: "https://spot.insure/insurance-faq/professional-liability/software-company-eo-insurance"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Does Software Company E&O Insurance Cover?

Some technology E&O policies offer limited IP cover; other professional E&O forms exclude copyright, trademark, patent, or trade-secret claims.

The sample Hiscox form excludes several IP claims, while The Hartford and Coalition describe limited features in specific technology products; these are not standard terms.

Check the actual exclusion or endorsement, covered rights, defense costs, open-source code, territory, prior knowledge, and client indemnity terms. Request the endorsement text.

## Related Questions

- [Does an AI Company Need E&O Insurance?](https://spot.insure/insurance-faq/professional-liability/ai-company-eo-insurance)
- [Does an IT Consultant Need E&O Insurance?](https://spot.insure/insurance-faq/professional-liability/it-consultant-eo-insurance)
- [Does a Technology Consultant Need E&O Insurance?](https://spot.insure/insurance-faq/professional-liability/technology-consultant-eo-insurance)
- [What Insurance Does an API Business Need?](https://spot.insure/insurance-faq/professional-liability/api-insurance)

## Related Coverage

- [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions)
- [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions)

## Sources

1. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-25.
2. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; Coverage; Works With Contracts; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-25.
3. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote). Coalition North American Servicing; Opening paragraph; Steps 1–2 (Tech E&O offered as optional endorsement to Coalition cyber coverage). Accessed 2026-09-25.

More answers: [Professional Liability, E&O and Tech E&O FAQ](https://spot.insure/insurance-faq/professional-liability).

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