Technology errors and omissions insurance for when your software lets a client down.
Technology errors and omissions for software companies, SaaS platforms, IT and managed service providers and developers, usually combined with cyber liability.
Quick answer Technology errors and omissions (Tech E&O) insurance is coverage for claims that your software or services caused a client financial loss, such as a failed implementation, downtime or a missed deadline.
- Tech E&O is written for software companies, SaaS platforms, IT and managed service providers and developers, usually combined with cyber liability.
- Tech E&O covers claims that a company's work caused a client a loss, while cyber liability covers data breaches and attacks; most tech companies need both.
- Enterprise and government contracts often require Tech E&O at specific limits.
- Tech E&O is usually claims-made coverage, so keeping it continuous keeps earlier work covered.
- Some Tech E&O policies include limited intellectual property (IP) coverage.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Errors and breaches
Tech E&O covers claims that your software or services caused a client financial loss, such as a failed implementation, downtime or a missed deadline. Contracts with larger clients often require it.
Most technology companies pair it with cyber liability, which covers data breaches and attacks on your own systems. I shop both together across several markets.
- Professional errorsMistakes in your work or product.
- Service failuresOutages and failed deliverables.
- Legal defenseDefense costs for covered claims.
- CyberBreaches and ransomware, when combined.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Company: what you build or provide.
- Revenue: annual revenue and largest contracts.
- Data: the customer data you hold.
- Contracts: limitation of liability and insurance requirements.
- Security: MFA, backups and incident plans.
- History: any claims or incidents.
Tech E&O insurance, answered
What's the difference between Tech E&O and cyber?
Tech E&O covers claims that your work caused a client a loss. Cyber covers data breaches and attacks. Most tech companies need both.
Do clients require Tech E&O?
Enterprise and government contracts often do, at specific limits.
Is it claims-made?
Usually. Keep coverage continuous so earlier work stays covered.
Does it cover intellectual property claims?
Some policies include limited IP coverage. I'll compare the wording.
Do you offer technology errors and omissions insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your company details. I'll shop it.
What you do, your revenue and your largest contract are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.