---
title: "Does a Technology Consultant Need E&O Insurance?"
description: "Tech E&O may cover client losses from a covered software bug; fixing your own code or honoring a warranty may be excluded."
canonical: "https://spot.insure/insurance-faq/professional-liability/technology-consultant-eo-insurance"
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/technology-consultant-eo-insurance)

# Does a Technology Consultant Need E&O Insurance?

Tech E&O may cover client losses from a covered software bug; fixing your own code or honoring a warranty may be excluded.

A software bug may lead to a client claim over service failure, but not every defective release qualifies. The Hartford and Coalition list bugs as possible claims, subject to policy terms and facts.

Check scheduled development, SaaS, maintenance, and update work, plus warranty, known-defect, and repair-cost exclusions. Ask how remediation, service credits, and consequential losses are treated.

## Related Questions

- [What Insurance Does an API Business Need?](https://spot.insure/insurance-faq/professional-liability/api-insurance)
- [What Insurance Does a Software Developer Need?](https://spot.insure/insurance-faq/professional-liability/software-developer-insurance)
- [What Does Professional Liability Insurance Cover?](https://spot.insure/insurance-faq/professional-liability/what-does-professional-liability-insurance-cover)
- [What Doesn’t Professional Liability Cover?](https://spot.insure/insurance-faq/professional-liability/what-doesnt-professional-liability-cover)

## Related Coverage

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

## Sources

1. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-25.
2. [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.
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.
4. [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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-faq/professional-liability/technology-consultant-eo-insurance.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)