--- title: "What Is Technology Errors and Omissions (E&O) Insurance?" description: "Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review." canonical: "https://thegeneralaverage.com/coverage/technology-errors-omissions" page-type: "coverage-article" updated-at: "2026-09-25" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/coverage/technology-errors-omissions) ## Agent Guide **What this page is:** National guide to What Is Technology Errors and Omissions (E&O) Insurance?: what it covers, common policy questions, and which providers document offering it. **Use this page when:** Explaining What Is Technology Errors and Omissions (E&O) Insurance? in general terms. For a specific state's rules, use /coverage/technology-errors-omissions/{state} instead. **Questions this page answers:** - What is What Is Technology Errors and Omissions (E&O) Insurance?? - What does What Is Technology Errors and Omissions (E&O) Insurance? cover and not cover? - Which providers offer What Is Technology Errors and Omissions (E&O) Insurance?? - What should I ask before buying What Is Technology Errors and Omissions (E&O) Insurance?? **Key facts:** - Lists 32 providers with documented What Is Technology Errors and Omissions (E&O) Insurance? offerings, linked to their profiles. **Limits (do not over-claim):** - National overview only: state law, pricing, and availability vary and are not established here. - Provider listings are documented offerings, not quotes, endorsements, or a guarantee of availability for a given business. - Informational, not insurance, legal, or tax advice; a policy's actual terms control. **Provenance:** Cited editorial guide, updated 2026-09-25. See the Sources section for each claim. **Related pages:** - [Coverage directory](https://thegeneralaverage.com/coverage) — parent hub - [Business insurance by state](https://thegeneralaverage.com/coverage/states) — state-specific requirements - [What Is Professional Errors and Omissions (E&O) Insurance?](https://thegeneralaverage.com/coverage/professional-errors-omissions) — related coverage - [What Is Cyber Insurance?](https://thegeneralaverage.com/coverage/cyber) — related coverage - [What Is Media Liability Insurance?](https://thegeneralaverage.com/coverage/media) — related coverage - [What Is General Liability Insurance?](https://thegeneralaverage.com/coverage/general-liability) — related coverage - [Editorial policy](https://thegeneralaverage.com/editorial-policy) — how sources are chosen and reviewed # What Is Technology Errors and Omissions (E&O) Insurance? Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. ## Tech E&O Insurance Summary Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [5](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [5](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf) [1](https://content.naic.org/glossary-insurance-terms) [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [7](https://www.travelers.com/business-insurance/cyber-insurance/technology) [3](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ## What Does Technology Errors and Omissions (E&O) Insurance Cover? A billing-software error or failed installation can cost a customer money even when no one is injured and no property is damaged. [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [5](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf) If a customer says your technology product or service caused financial loss, technology E&O can help your business respond to the covered claim. [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [5](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf) ### Financial Loss From Products and Services Ask whether the quote addresses a customer’s purely financial loss from a product or service problem, not only bodily injury or property damage. [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [5](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf) ### Compare the Activities Insured Technology errors and omissions is a form of professional liability aimed at technology products and services; compare the activities insured rather than relying only on the policy label. [1](https://content.naic.org/glossary-insurance-terms) [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) | Situation to describe | Activity to match in the quote | | --- | --- | | Hosted billing software that miscalculates invoices | Software, hosting or cloud work you actually perform | | Hardware installation that takes a shop offline | Installation, integration or hardware services | | Advice given in a licensed professional practice | The professional services named in that quote | ## Who Needs Technology Errors and Omissions (E&O) Insurance? Consider tech E&O if you develop software, host systems, provide technology advice or install and integrate products for customers. [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ## Technology Errors and Omissions (E&O) Insurance Coverage Examples ### A Software Update Stops Customer Orders A release breaks your customer’s ordering system, and they claim the outage cost them sales. Tech E&O may cover a claim that your software error caused financial loss. The service must be insured, and defense costs may use part of the claim limit. [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [5](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf) [3](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [5](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ### A Customer Demands Service Credits After downtime, a customer demands contractual service credits and damages for an alleged development error. Contractual promises and liability for a development mistake can be treated differently. The policy and customer agreement determine which parts of the demand may be covered. [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [5](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ## How Do You Compare Technology Errors and Omissions (E&O) Insurance Coverage and Costs? ### Match the Work You Actually Do Describe each technology service you sell. If you develop software, host it and send technicians to install hardware, all three activities belong in the application. Coverage naming software development doesn't by itself establish protection for hosting or installation. [3](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ### Limits, Defense Costs and Timing Compare the each-claim limit, the aggregate limit, the retention, and whether defense costs reduce the available limit. [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) Ask whether the quote is claims-made, when a claim must be made and reported, what retroactive date applies, and whether an extended reporting period is available after the policy ends. [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) [3](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf) [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) ## What Contract and Cyber Questions Matter? ### Contracts and Liability Caps Bring customer contracts, licenses and limitation-of-liability clauses, and ask how the quote treats a claim that you failed to meet a contractual promise. [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ### Cyber Incidents Versus Failed Deliverables Technology errors and omissions (E&O) concerns mistakes in products or services; cyber coverage addresses incidents such as a data breach or network-security failure. Check whether the quote includes one, the other, or both. [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [7](https://www.travelers.com/business-insurance/cyber-insurance/technology) ## How Does Technology Errors and Omissions (E&O) Insurance Compare With Related Coverage? Compare technology errors and omissions (E&O) with professional errors and omissions, cyber, media and general liability so each concern (a failed deliverable, a licensed professional service, a data incident, a content allegation, or bodily injury and property damage) has an identified place in the insurance discussion. [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [5](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf) | Concern | Place in the discussion | | --- | --- | | A failed technology deliverable that causes a customer financial loss | Technology errors and omissions (E&O) | | A licensed professional service, such as tax advice | Professional errors and omissions (E&O) | | A data breach or network-security failure | Cyber | | A content or advertising allegation | Media | | Bodily injury or property damage | General liability | ## What Do You Need for Technology Errors and Omissions (E&O) Insurance Quotes? Prepare a description of products and services and how they generate revenue, sample customer contracts, quality-control and security practices, use of subcontractors, prior incidents or circumstances, and the limits you want to discuss. [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ### Describe Products, Contracts and Incidents | Prepare | How to use it | | --- | --- | | Products and services, and how they generate revenue | Match the quote to consulting, programming, software, hardware, integration, installation, hosting or cloud work | | Sample customer contracts, licenses and limitation-of-liability clauses | Ask how a claim that you missed a contractual promise is treated | | Quality-control and security practices | Separate a failed deliverable from a data or network incident | | Use of subcontractors | Identify whose work is being discussed | | Prior incidents or circumstances | Give the broker a current picture | | Limits you want to discuss | Compare each-claim and aggregate amounts, retention and defense-cost treatment | [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) [3](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) [3](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf) [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) ## Technology Errors and Omissions (E&O) Insurance: Key Terms in Plain English ### Retroactive Date A date used to determine which earlier work a claims-made policy can cover. [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) [3](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf) [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) ### Aggregate Limit The overall policy limit, considered alongside the each-claim limit and any defense costs that use it. [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ## Technology Errors and Omissions (E&O) Insurance: A Policy Example to Compare See [Corgi's guide](https://www.corgi.insure/tech-eo) for an example of one provider's coverage terms and optional extensions. ## Frequently Asked Questions About Technology Errors and Omissions (E&O) Insurance ### Is Tech E&O the Same as Cyber Insurance? No. Tech E&O concerns mistakes in technology products or services. Cyber addresses incidents such as data breaches and security failures. A package may include both. [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [7](https://www.travelers.com/business-insurance/cyber-insurance/technology) ### Does Earlier Work Count When I Change Insurers? It can, but the retroactive date and claims-made reporting terms matter. Check continuity before replacing the policy and ask about an extended reporting period if coverage ends. [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) [3](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf) [2](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf) ### Does Technology E&O Cover Every Breach of Contract? Breach of contract isn't automatically covered. Bring customer contracts, licenses and limitation-of-liability clauses so the insurer can explain how the proposed wording treats a failure to meet those promises. [4](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ### Is Technology E&O Only for Software Developers? No. Relevant activities can include technology consulting, hardware development, systems integration, installation, hosting and cloud services. Compare the work you actually do with the activities named in the quote. [3](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf) [6](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf) ## What Coverage Is Related to Tech E&O Insurance? - [What Is Professional Errors and Omissions (E&O) Insurance?](https://thegeneralaverage.com/coverage/professional-errors-omissions) — Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. - [What Is Cyber Insurance?](https://thegeneralaverage.com/coverage/cyber) — Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. - [What Is Media Liability Insurance?](https://thegeneralaverage.com/coverage/media) — Media liability can help pay defense costs for claims about content you create or distribute, such as allegations of defamation or infringement. Consider it if you publish or produce content for your business or clients; match the quote to each activity. - [What Is General Liability Insurance?](https://thegeneralaverage.com/coverage/general-liability) — General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. ## Which Insurance Providers Offer Tech E&O Insurance? ### [AIG](https://thegeneralaverage.com/insurance-providers/aig) AIG Technology Services E&O; the page separately identifies coverage for technology-service performance errors or omissions. Membership only, not a detailed accepted Tech E&O offering. ### [Alliance Risk](https://thegeneralaverage.com/insurance-providers/alliance-risk) Alliance Risk arranges technology errors and omissions insurance. ### [Amelia Risk](https://thegeneralaverage.com/insurance-providers/amelia-risk) Amelia Risk arranges technology errors and omissions insurance for technology businesses. ### [At-Bay](https://thegeneralaverage.com/insurance-providers/at-bay) At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion. ### [Beazley](https://thegeneralaverage.com/insurance-providers/beazley) Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies. ### [Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance) Professional First materials identify Technology E&O as a professional-liability product. ### [CFC](https://thegeneralaverage.com/insurance-providers/cfc) CFC offers technology errors and omissions for technology businesses. ### [Chubb](https://thegeneralaverage.com/insurance-providers/chubb) Chubb offers technology errors and omissions insurance through DigiTech ERM for technology companies. ### [CNA](https://thegeneralaverage.com/insurance-providers/cna) ### [Coalition](https://thegeneralaverage.com/insurance-providers/coalition) Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. ### [Corgi](https://thegeneralaverage.com/insurance-providers/corgi) Corgi lists technology errors and omissions insurance for technology products and services. ### [Coverdash](https://thegeneralaverage.com/insurance-providers/coverdash) Coverdash lists technology errors and omissions in its Professional & Management catalog, separately from professional liability. ### [Cowbell](https://thegeneralaverage.com/insurance-providers/cowbell) Cowbell markets combined technology errors and omissions and cyber coverage, plus follow-form excess, for technology businesses with revenue up to $1 billion. ### [Embroker](https://thegeneralaverage.com/insurance-providers/embroker) Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses. ### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) Technology/creative class within broader E&O; no separate technology form established. ### [Gallagher](https://thegeneralaverage.com/insurance-providers/gallagher) Gallagher arranges technology errors and omissions insurance for technology businesses. ### [HUB International](https://thegeneralaverage.com/insurance-providers/hub-international) HUB International arranges technology errors and omissions insurance. ### [Liberty Mutual](https://thegeneralaverage.com/insurance-providers/liberty-mutual) A group brand spanning personal and commercial insurance businesses; its business unit pages describe small-commercial cover for small businesses and commercial, specialty, surety, and reinsurance solutions for mid-size and large businesses. ### [Markel Insurance](https://thegeneralaverage.com/insurance-providers/markel) Markel Cyber 360 technology professional liability component (standalone product not established) ### [Marsh](https://thegeneralaverage.com/insurance-providers/marsh) Marsh arranges technology errors and omissions insurance. ### [Newfront](https://thegeneralaverage.com/insurance-providers/newfront) Newfront lists technology errors and omissions among its cyber-risk placement coverages. ### [Relm Insurance](https://thegeneralaverage.com/insurance-providers/relm) Relm lists technology errors and omissions insurance for placement through brokers. ### [Resilience](https://thegeneralaverage.com/insurance-providers/resilience) Resilience markets technology errors and omissions insurance for US businesses with $25 million to $10 billion in revenue. ### [RiskCube](https://thegeneralaverage.com/insurance-providers/riskcube) RiskCube arranges technology errors and omissions insurance for startups. ### [Risklytics](https://thegeneralaverage.com/insurance-providers/risklytics) Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses. ### [StartupInsurance.ai](https://thegeneralaverage.com/insurance-providers/startupinsurance) StartupInsurance.ai arranges technology errors and omissions insurance for startups. ### [TechInsurance](https://thegeneralaverage.com/insurance-providers/techinsurance) TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses. ### [The Hartford](https://thegeneralaverage.com/insurance-providers/the-hartford) The Hartford offers technology errors and omissions coverage through its FailSafe product. ### [Travelers](https://thegeneralaverage.com/insurance-providers/travelers) Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies. ### [USI Insurance Services](https://thegeneralaverage.com/insurance-providers/usi) USI arranges technology errors and omissions insurance. ### [Vouch](https://thegeneralaverage.com/insurance-providers/vouch) Vouch lists technology errors and omissions among the core coverages in its technology-company programs. ### [Zurich U.S.](https://thegeneralaverage.com/insurance-providers/zurich) Zurich markets technology errors and omissions insurance. ## Sources for Tech E&O Insurance 1. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16. 2. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16. 3. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16. 4. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16. 5. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16. 6. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16. 7. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16. Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. 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