---
title: "Tech E&O Insurance Quotes"
description: "Get tech E&O quotes with Spot: we describe your products, customer contracts and practices, take one submission to market and compare the proposals."
canonical: "https://spot.insure/insurance/technology-errors-omissions/quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/technology-errors-omissions/quotes)

## Agent Guide

**What this page is:** Get tech E&O quotes with Spot: we describe your products, customer contracts and practices, take one submission to market and compare the proposals.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Get tech E&O insurance quotes with Spot

Your Spot team describes the software, hosting and technology services you sell, so brokers can quote what you really deliver.

- Software, hosting and installation work each described
- Customer contract and liability-cap questions answered up front
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=quote&coverage=technology-errors-omissions&icp=startups)

## How it works

- **List what you build and run.** Tell us about each product or service: software you develop, systems you host, hardware you install, advice you give. Your Spot team asks how each one earns revenue.
- **We add your contracts and practices.** Spot gathers sample customer contracts, your quality-control and security practices and your use of subcontractors into one submission.
- **Brokers take it to market.** We work with brokers to send the submission to insurers that write technology businesses, and follow up on their questions.
- **Check each quote covers your work.** Compare the activities each proposal insures, its limits and its claims-made timing, so a policy that names software doesn’t quietly leave out your hosting.

## What you’ll need

- **Products and services.** Software, hosting, consulting, integration, installation or hardware: each activity you sell, and how it generates revenue.
- **Customer contracts.** Sample agreements, licenses and limitation-of-liability clauses, plus any insurance requirements they set.
- **Revenue by product line.** Annual revenue split across what you sell, because insurers rate different activities differently.
- **Quality-control practices.** How you test, review and release work, and how you handle customer acceptance.
- **Security practices.** How you protect customer systems and data, which helps separate a failed deliverable from a security incident.
- **Subcontractors.** Whether outside developers or contractors do part of the work, and who is responsible for it.
- **Prior incidents and circumstances.** Customer complaints, outages or disputes that could turn into claims.
- **Current policy.** Your expiring terms and retroactive date, so a new quote can keep earlier work covered.

## What affects your price

- **What your technology does.** Software that runs a customer’s payments or operations carries more exposure than a tool they could easily replace.
- **Revenue and customer base.** More revenue and larger customers usually mean larger claims, and a higher price.
- **Limits, retention and defense costs.** Higher limits cost more, and whether defense costs reduce the limit changes what you actually have.
- **Contract terms.** The liability promises in your customer contracts shape the exposure an insurer takes on.
- **Claims-made timing.** The retroactive date and reporting terms affect how much earlier work the policy reaches.
- **Incidents and quality controls.** Prior problems, and how you test and review your work, are part of how underwriters judge you.

## Coverage

- [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions/quotes)

## Common questions

### Is tech E&O the same as cyber insurance?

No. Tech E&O concerns mistakes in your products or services. Cyber addresses incidents like a data breach or network failure. A package may include both, and we check which.

### Does tech E&O cover every breach of contract?

No. How a quote treats a missed promise depends on its terms, so we bring your contracts and liability caps into the conversation early.

### Does earlier work count if I change insurers?

It can, depending on the retroactive date and reporting terms. We compare them with your current policy and ask about an extended reporting period.

### Will Spot replace my insurance broker?

No. Spot works alongside brokers and takes no commissions on premiums. Your broker can use our write-up of your products and contracts, or you can pick a different one.

## More

- [Get quotes](https://spot.insure/insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/technology-errors-omissions/quotes.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)