Tech E&O vs Product Liability: Which Applies to Software?

Tech E&O addresses customer financial loss from failed software or services; product liability addresses bodily injury or property damage caused by products.

Tech E&O addresses claims that technology products or services failed and caused a customer financial loss. Product liability generally addresses bodily injury or property damage caused by a product, including connected hardware.

For software embedded in a physical product, describe the digital service and the manufactured or distributed item separately. Compare the definitions of technology product, professional services, product, bodily injury, and property damage, plus electronic-data, professional-services, and product exclusions across both policies.

Updated . Check your quote and policy wording to see how this answer applies to your coverage. See the editorial policy or contact Spot with a correction and supporting source.

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