---
title: "Tech E&O vs Product Liability: Which Applies to Software?"
description: "Tech E&O may cover a customer’s loss from your technology-service downtime; your own lost revenue may require business-interruption coverage."
canonical: "https://spot.insure/insurance-faq/professional-liability/tech-eo-vs-product-liability"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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/insurance-faq/professional-liability/tech-eo-vs-product-liability)

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

Tech E&O may cover a customer’s loss from your technology-service downtime; your own lost revenue may require business-interruption coverage.

Your lost revenue during an outage is a separate first-party loss and may need a qualifying business-interruption extension.

Check the outage trigger, whose interruption is insured, uptime promises, waiting period, cloud-provider exclusions, restoration, and defense costs. Review treatment of service credits and liquidated damages.

## Related Questions

- [Does Tech E&O Cover Software Bugs?](https://spot.insure/insurance-faq/professional-liability/does-tech-eo-cover-software-bugs)
- [Does Tech E&O Cover Software Failure?](https://spot.insure/insurance-faq/professional-liability/does-tech-eo-cover-software-failure)
- [Does Tech E&O Cover Downtime?](https://spot.insure/insurance-faq/professional-liability/does-tech-eo-cover-downtime)
- [Does Tech E&O Cover Implementation Errors?](https://spot.insure/insurance-faq/professional-liability/does-tech-eo-cover-implementation-errors)

## Related Coverage

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

## 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. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Professional Liability Insurance paragraph (profession examples; wrongful acts; Errors & Omissions Insurance; Malpractice Insurance); Commercial General Liability five forms including products and completed operations. Accessed 2026-09-25.
3. [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.

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-faq/professional-liability/tech-eo-vs-product-liability.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)