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1Fix the driver behind crashes, sound loss and screen glitches2Clear out junk files and repair common Windows errors3Scan for outdated or missing drivers - takes under a minuteTechnology errors and omissions insurance (tech E&O) is a type of professional liability insurance for technology businesses. It can help address claims that an error, omission, negligent act, or failure in a technology product or service caused a customer or another third party financial loss. Whether a particular claim or cost is covered depends on the policy’s wording.
What tech E&O insurance is designed to address
Tech E&O focuses on allegations about the performance or delivery of technology work: for example, that software, equipment, a cloud service, or professional technology services failed to work as promised and caused financial harm. It is technology-focused professional liability coverage, rather than a guarantee that a product will work or that every customer dispute will be insured. The Insurance Information Institute defines errors and omissions coverage as professional liability for negligent acts and omissions that may harm clients; the National Association of Insurance Commissioners likewise describes professional liability in terms of wrongful practices in professional services, including service errors and failures to meet professional standards.
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The Hartford says its technology E&O coverage may help pay legal fees and related costs. The exact covered loss, defense expenses, and conditions depend on the applicable policy’s definitions, insuring agreements, exclusions, limits, and notice requirements.
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Examples of situations that could lead to a claim
These are examples of allegations that might prompt a claim, not assurances that an insurer will cover the resulting loss:
- A software glitch loses a customer’s billing data.
- A cloud service fails to back up critical data.
- Installed technology interrupts a customer’s ability to receive online orders.
- A product proves incompatible with an older computer.
- A technology provider misses a development deadline or faces a software copyright allegation.
The Hartford describes the first four scenarios, while Travelers discusses missed deadlines and copyright risks. A policy’s wording and the circumstances of a claim determine whether coverage applies.
How tech E&O differs from cyber and general liability
| Coverage type | Exposure it generally addresses | Important qualification |
|---|---|---|
| Tech E&O | Claims that a technology product or service failed, was negligently provided, or otherwise caused a third party financial harm. | Covered work and allegations vary by policy. |
| Cyber or privacy coverage | Risks such as unauthorized access, data leaks, network security failures, and breach response. | Some technology policies combine cyber-related coverage with E&O; the policy label alone does not show what is included. |
| Commercial general liability | Different liability exposures, commonly including bodily injury or property damage. | Travelers says technology E&O financial-loss claims typically are not covered by commercial general liability. Check the actual policy and endorsements. |
In short, a claim about a service outage causing lost revenue is conceptually different from a claim about unauthorized access to customer data. A combined policy may address both kinds of exposure, but only its terms show which claims and costs it covers.
Which technology businesses may be eligible?
Technology businesses should check eligibility with the insurer rather than assume that a general category list applies to every product. The Hartford’s product flyer identifies technology product or component manufacturing; installation, integration, service, or repair; software, internet, application, and web design; technology consulting, staffing, and custom programming; and technology service providers as example classes for that Hartford product. This is not a universal eligibility list or a promise of coverage.
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What to check in a tech E&O policy
Compare the policy’s actual language against the work your business does and the claims it could face. Travelers highlights evolving products and services, breach-of-contract allegations, and possible exclusions for software copyright infringement. The Hartford’s application language describes coverage for claims first made during the policy period and reported under the applicable notice provisions.
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- Covered work: Confirm that the policy definitions encompass the software, SaaS, hardware, integration, consulting, installation, and support activities your business actually provides.
- Changes over time: Check how new products or service releases during the policy period, as well as newly formed or acquired entities, are treated.
- Alleged conduct: Review how the policy addresses negligence, breach of contract, failure to perform, and intellectual-property allegations.
- Insured parties: Determine which employees, contractors, subsidiaries, or other entities qualify as insureds under the policy.
- Claim reporting and costs: Check the claims-made trigger, reporting deadlines, retroactive date, limits, retention, exclusions, and whether defense costs reduce the limit.
These are comparison questions, not features every policy necessarily includes. In particular, do not assume that a product release, contractual promise, copyright claim, or late-reported claim is covered without checking the relevant definitions, exclusions, endorsements, and conditions.
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Sources
- The Hartford, Technology Errors and Omissions Insurance (accessed October 7, 2026).
- Travelers, 4 Technology Errors and Omissions Insurance Risks (accessed October 7, 2026).
- The Hartford, Technology E&O and Cyber Liability product flyer (indexed approximately 2024; accessed October 7, 2026).
- Insurance Information Institute, Resource Center | III Glossary: E (accessed October 7, 2026).
- National Association of Insurance Commissioners, Small Business Insurance (accessed October 7, 2026).
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