Technology Errors & Omissions (Tech E&O)

Technology E&O covers claims that your technology product or service caused a client financial harm — through software failure, data errors, missed SLAs, or IP infringement — including defense costs and settlements.

A large share of tech E&O policies now contain AI exclusions broad enough to deny any claim involving machine learning or automated decision-making. We scan every policy for these exclusions and negotiate to remove or narrow them before binding.

Yes. If you build software, provide technology services, or process data for clients, Tech E&O responds when something goes wrong and a client sues for losses. Many enterprise contracts require it.

Tech E&O covers financial harm from your product or service failing; cyber covers data breaches, ransomware, and network events. They overlap and are often written together — we make sure there are no gaps between them.

Premiums depend on your revenue, software complexity, deployment environment, and claims history. Early-stage SaaS typically ranges from $5,000–$15,000 annually; mature companies with higher revenue pay more. We provide a quote after reviewing your tech stack.

Underwriters want to know: What does your software do? How is it deployed (SaaS, on-prem, mobile)? What data does it process? How do you test it? What's your customer base and contract terms? We translate your tech into underwriter language to get you better rates and terms.