What Technology E&O Insurance Requirements Apply in Kentucky?
A 2023–24 smart-meter services agreement filed with the Kentucky Public Service Commission tied a $5 million combined cyber and technology E&O limit to work performed under that agreement. Kentucky’s breach statute separately requires an information holder to notify the owner or licensee when covered unencrypted personal information it maintains for them is breached.
What Is Tech E&O Insurance?
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. Read the national Technology errors and omissions (E&O) guide.
What Should You Watch for With Tech E&O Insurance in Kentucky?
Check Whether Your Utility Work Matches the Contract Scope
The Aclara agreement filed in Kentucky’s 2024 utility case required combined cyber risk and technology E&O for the vendor’s services; the cyber wording addressed breaches, unauthorized access, privacy and downtime. It applies only to that agreement, but provides a concrete checklist if you build or support utility systems: compare SOW services, data duties and required limit structure. 1
Compare the Liability Cap With the Insurance Schedule
The same agreement separately capped each party’s liability at payments under the applicable SOW or purchase order and excluded several damage categories. Ask counsel and the broker to compare the agreement’s cap, exclusions and required insurance without assuming the insurance restores excluded contract damages. 1
Put Owner Notice Into the Data-Hosting Plan
Kentucky KRS §365.732 requires an information holder that maintains covered personal information it does not own to notify the owner or licensee as soon as reasonably practicable after a qualifying breach. The statute is limited to defined unencrypted identifiers and breach conditions; map exactly what your service stores and who alerts the customer. 2
Which Tech E&O Insurance Providers Have Kentucky License Records?
These providers publish a national listing for Technology errors and omissions (E&O); the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Kentucky. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.
At-Bay
At-Bay Insurance Services LLC
At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. 11
At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.
Coalition
Coalition Insurance Solutions, Inc.
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 12
Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.
Corgi
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 13
Corgi lists technology errors and omissions insurance for technology products and services.
TechInsurance
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 16
TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.
Vouch
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 17
Vouch lists technology errors and omissions among the core coverages in its technology-company programs.
Who Regulates Insurance in Kentucky?
Kentucky Department of Insurance
The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. 3,4,5
Surplus-Lines Tax and Stamping Office in Kentucky
Reported tax rate. 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply 6,9,7,8,10
When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines.
What Should You Ask Before Buying Tech E&O Insurance in Kentucky?
- Does the Kentucky utility SOW require a combined $5 million cyber and technology E&O limit, or different terms?
- Does our contract cap liability by SOW payments while requiring higher insurance, and how do those provisions interact?
- Which covered Kentucky identifiers do we maintain for the customer, and how quickly must we notify the owner after a breach?
Tech E&O Insurance in Kentucky: Frequently Asked Questions
What technology E&O limit appeared in the Kentucky Aclara services agreement?
$5 million combined aggregate for cyber risk liability and technology errors and omissions, for the services in that agreement. The same clause specifically describes network risks, but it is not a statewide requirement. 1
What must a Kentucky vendor do if it maintains a customer’s covered personal information?
An information holder maintaining computerized personal information it does not own must notify the owner or licensee as soon as reasonably practicable after discovering a qualifying breach. The statute limits the identifiers and breach conditions covered, so confirm your data and role. 2
Tech E&O Insurance Guides for Other States
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
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Indiana
Iowa
Kansas
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Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
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Texas
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Washington
West Virginia
Wisconsin
Wyoming
Other coverage in KentuckyEvery coverage guide for Kentucky, plus the regulator and surplus-lines details.17 documents, numbered as cited. Open the sources