Technology errors and omissions

Tech E&O insurance when the product is in the contract.

The buying problem is an MSA that asks for professional liability or technology E&O, and may request limits in the multi-million-dollar range, because a customer will rely on your software or service. A cyber policy is written for a different kind of event. The form still controls. A licensed advisor reads the clause, then shops markets that write technology companies.

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What Tech E&O is for

Technology errors and omissions responds when your product or tech service fails to perform and a customer claims they lost money: a bug that corrupted data, a missed SLA, a failed implementation, an integration that never went live.

It is not a warranty that the software works. It is not a substitute for a limitation of liability in the contract. It is insurance for the negligence claim that sits next to that contract. Availability and wording vary by market. The policy, not this page, controls.

Where buyers get this wrong

Buying cyber only, then finding a non-malicious outage that the cyber form does not treat as a covered event
Using a general professional-liability form that excludes technology services
Matching a limit in the MSA without matching additional insured or waiver language
Ignoring AI or professional-services endorsements that change what the form covers

Today

Failed performanceThe customer says your software or managed service did not do what was promised, and they want the loss paid. That is the core Tech E&O claim.

Packaged with cyberMany carriers bind Tech E&O and cyber together. That is convenient. It is not the same coverage. We will show you both sides in plain language.

Contract scheduleEmail the insurance section after you submit. We map limits, additional insured, primary/noncontributory, and notice against what a market will actually put on a policy. A certificate does not create that coverage.

As you grow

First enterprise MSALimits and wording jump. A $1M starter policy often fails procurement on the first large customer.

Consequential AI outputIf the product is used for credit, hiring, health, or legal decisions, E&O wording needs a closer read. See AI startup insurance.

Services plus softwareImplementation, custom work, and staff augmentation pull in professional-liability questions on top of the product.

Questions we hear

They are cousins. Professional liability (E&O) is the broader idea: a client claims your advice or work caused a loss. Tech E&O is the version written for software, SaaS, and technology services. A form built for accountants or architects may exclude what you sell.

No. No carrier matches every contract, and a certificate of insurance does not fill the gap. We compare the insurance exhibit to what markets will put on a policy and tell you what remains unmatched. Email the clause after you submit.

No. Binding authority sits with the issuing carrier or authorized market. A licensed advisor reviews the file. We aim to respond within one business day.

Related guides

Send the contract clause.

The application starts on software company. Change it if you are SaaS, MSP, or AI. Email the contract after you submit if you have one.

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