Technology & Software E&O
Professional liability for software, SaaS, IT services, and developers, usually packaged with cyber.
Who Needs It
- SaaS and software companies
- Custom developers and IT managed-service providers
- Tech consultants and integrators
What It Covers
- Claims that your product or service failed to perform
- Negligent acts, errors, and omissions in services
- Contractual liability for performance where insurable
- Cyber and network security packaged in most forms
- Defense costs
What It Does Not Cover
- Bodily injury and property damage (GL)
- Intellectual property disputes beyond the form's media coverage
- Cost to redo or refund work on many forms
- Intentional acts
Texas Notes
Austin and Houston tech firms with venture backing typically need $1M–$5M E&O/cyber to close enterprise contracts.
Florida Notes
Same; Florida clients often require E&O naming them as additional insured, which many carriers permit.
Technology & Software E&O Questions We Hear Most
What limits do enterprise clients require?
$1M–$2M is common; $5M for larger contracts. Ask us to review the insurance clause before you sign.
Does a prior claim mean I can't get coverage?
Rarely. Carriers price and underwrite on frequency and severity over three to five years. One closed claim usually narrows the market slightly; a pattern narrows it a lot. Tell us everything up front; an undisclosed claim found at binding is worse than a disclosed one.
Related Coverage Guides
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