Tech E&O vs Cyber Insurance: What’s the Difference?

A software bug that causes a customer’s financial loss may be presented as a technology-services error; a network intrusion can create customer claims and your own incident-response costs. The Hartford describes Tech E&O exposures such as product failure, missed deadlines, and data-service errors. The NAIC cyber guide separately outlines first-party breach recovery and third-party liability. Some carriers package Tech E&O as an optional cyber endorsement, but others issue separate policies. Ask for each coverage grant. Check security failure, privacy, technology services, data restoration, interruption, vendor incidents, waiting periods, sublimits, and other-insurance wording to see which policy may respond to each loss.

Ask the broker to map a code defect, an intrusion, a customer privacy suit, and your own recovery costs to the quote. Each scenario may trigger a different section or exclusion.