Failed implementation
A client may allege that deployment delays, configuration errors, or unmet requirements caused business loss.
Technology errors & omissions
Protect the technology clients build around.
Technology E&O guidance for software firms, consultants, managed-service providers, systems integrators, and other technology businesses.
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Software and SaaS
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Consulting and implementation
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Managed technology services
Common exposures
Even careful professionals can face a claim.
Software performance
Bugs, downtime, integration failures, or inaccurate outputs can create contractual and professional disputes.
Service interruption
Managed-service providers may face claims when systems, networks, or critical workflows become unavailable.
Project scope
Misaligned specifications, change orders, and acceptance criteria can lead to allegations of failure to deliver.
Coverage conversation
Look beyond the premium.
Technology E&O and cyber
Some policies combine technology E&O and cyber protection; others separate the exposures. Understand how the pieces interact.
Contract alignment
Indemnification, limitation-of-liability, insurance, and service-level terms should be considered alongside the policy.
Products and services
Accurately describe all software, consulting, hosting, implementation, and managed services during underwriting.
Media and intellectual property
Ask whether relevant media liability, copyright, or intellectual-property allegations are included or excluded.
A straightforward process
Start with the essentials.
Tell Gagan about your work
Share your profession, practice or business, and renewal timing—without including confidential client or claim details.
Discuss the coverage need
Review the services you provide, current insurance, desired limits, and any timing considerations.
Move to the licensed market
When appropriate and with your permission, the request can be referred to a licensed broker or agency able to pursue coverage options.
Frequently asked questions
Useful answers before you begin.
What is technology E&O insurance?
Technology E&O is professional liability coverage designed for claims alleging that a technology product or service failed and caused a client financial harm, subject to the policy’s terms.
Is cyber insurance included?
It depends on the form. Some technology policies combine E&O and cyber; others require separate coverage. Review first-party and third-party cyber protections carefully.
Do independent technology consultants need it?
Many clients require E&O by contract, and a solo consultant can still face meaningful defense costs or claims tied to recommendations and deliverables.