Professional Liability / E&O · Calculator, Comparison & Guide

Tech & Software E&O Insurance: Calculator, Comparison Table & Guide

SaaS, IT services, MSPs, and software developers. Contract limit requirements often set your floor.

Prong 1 · Interactive Calculator

Tech E&O + Cyber Estimator

SaaS, IT services, MSPs, and software developers. Contract limit requirements often set your floor.

Results
LineEstimate
Tech E&O base ($1M) —
Cyber / privacy base ($1M) —
Controls factorNo MFA/EDR = surcharge or decline in the current market. —
Estimated annual Tech E&O + Cyber —
As % of revenue —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

Tech E&O Forms Compared

Not all 'tech E&O' is written the same way.

CriterionMiscellaneous E&O (Generic)Tech E&O (Combined w/ Cyber)Stand-alone Tech E&O + Separate Cyber
Failure of product to performLimitedIncludedIncluded
Contractual liability (SLA credits, LDs)ExcludedOptionalOptional
Network security / privacyExcludedIncludedSeparate policy
Media / IP infringement (non-patent)OptionalIncludedIncluded
Shared vs. separate limitsSingleSharedSeparate
Dependent business interruptionExcludedLimitedIncluded
Best fitConsultants without product< $10M revenue> $10M or enterprise contracts
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

Tech E&O and Cyber: What Enterprise Contracts Actually Require

How to read an MSA insurance clause, pick a limit, and avoid the exclusions that swallow the policy.

Decoding the MSA insurance exhibit

Enterprise customers ask for Tech E&O, cyber, GL, and umbrella at specific limits, plus additional insured and waiver language.

  • Tech E&O $2M–$5M is the common floor
  • Cyber $2M–$5M with first- and third-party coverage
  • Retro date must predate the contract
  • Notice of cancellation to the customer (30 days)

Exclusions that matter

Read for these before you sign.

  • Contractual liability — SLAs and liquidated damages
  • Unencrypted device exclusion
  • Failure to maintain security standards (the 'we lied on the app' exclusion)
  • Regulatory fines where insurable
  • Wrongful collection / biometric privacy (BIPA)

Cyber controls = pricing

Carriers now underwrite on controls first, revenue second.

  • MFA on email, remote access, and privileged accounts
  • EDR on all endpoints
  • Immutable, tested backups
  • Incident response plan

Frequently Asked Questions

Is open-source use a problem?

Not for E&O; IP infringement coverage typically excludes patent but covers copyright/trademark claims arising from your code.

Do I need both E&O and cyber?

E&O covers your failure to deliver; cyber covers a breach. A combined form can work under $10M revenue, but separate limits are safer.

What is a 'retro date'?

The date after which acts are covered under a claims-made policy. Never let it advance when you switch carriers.

Related: tech E&O · software errors and omissions · SaaS insurance · cyber liability tech

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All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.