What Technology E&O Insurance Requirements Apply in South Carolina?
Code section 15-3-530 gives three years for an action upon a contract, obligation, or liability, express or implied, excepting those provided for in section 15-3-520. The same section gives three years for a liability created by statute other than a penalty or forfeiture, and for taking, detaining, or injuring goods. Section 15-38-15, in the text effective January 1, 2026, changes the negligence allocation. A defendant whose fault is less than 50 percent of the total fault of all defendants, other tortfeasors, and the plaintiff’s comparative negligence is liable only for that percentage of indivisible damages. The heading of the section identifies willful, reckless, and drug exceptions in later subsections. A technology dispute pleaded in contract uses the three-year period. The same incident pleaded as negligence uses the 50 percent fault line, and the exceptions have to be read before the several-only rule is treated as universal.
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 South Carolina?
Three years has a list of contracts that use a different section
Section 15-3-530(1) excepts actions provided for in section 15-3-520. Check that section before you calendar three years from accrual. Subsection (5) is a separate three-year period for injury to the person or rights of another not arising on contract. A pleading that mixes unpaid fees and bodily injury can carry two accrual dates. The E&O notice clause is independent of both. 1
Injury to goods is also three years under this section
Subsection (4) covers taking, detaining, or injuring any goods or chattels, including an action for specific recovery of personal property. Damage to a customer’s hardware from a bad integration can be this action or a contract action. Both rows on this page are three years, and they are not interchangeable for accrual. Identify the row before you tell a customer the claim is time-barred. 1
Under 50 percent of total fault, the share of indivisible damages is several
The January 1, 2026 text of section 15-38-15 measures a defendant’s fault against the total fault of the other defendants, other tortfeasors, and the plaintiff’s comparative negligence. Below 50 percent, that defendant is liable only for its percentage of indivisible damages. The section heading points to later subsections on willful or reckless conduct and on drugs. Those subsections are part of the same statute and can take a claim out of the several-only rule. Read them before you assume every technology negligence verdict is several only. 2
Which Tech E&O Providers Have South Carolina 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 South Carolina. 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. 8
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. 9
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. 10
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. 13
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. 14
Vouch lists technology errors and omissions among the core coverages in its technology-company programs.
Who Regulates Insurance in South Carolina?
South Carolina Department of Insurance
The South Carolina Department of Insurance licenses and regulates insurance companies and producers and accepts complaints involving entities it licenses and policies incepted in South Carolina. Its consumer page links to the online complaint form and explains limits on the Department’s authority. 3,4,5
Surplus-Lines Tax and Stamping Office in South Carolina
Reported tax rate. 6% blended broker premium tax: 4% state plus 2% municipal 6,7
SCDOI’s January 2026 instructions set a 6% blended surplus-lines broker premium tax: 4% state and 2% municipal; the Department collects both and the Municipal Association of South Carolina allocates the municipal share. The filing system also asks brokers to identify one to three insurers that declined the indicated coverage; check the policy notice for any guaranty-association disclosure.
Questions to Ask Before You Buy Tech E&O in South Carolina
- Is the claim a contract action under section 15-3-530(1), or one of the actions reserved to section 15-3-520?
- If goods were damaged, which three-year subsection applies and when did it accrue?
- Is any defendant’s fault under 50 percent of the total, and do the willful, reckless, or drug subsections of section 15-38-15 apply?
Tech E&O Insurance in South Carolina: Frequently Asked Questions
How long is a South Carolina contract lawsuit period?
Section 15-3-530(1) says within three years an action upon a contract, obligation, or liability, express or implied, excepting those provided for in section 15-3-520. 1
When does a South Carolina defendant pay only its percentage?
Under section 15-38-15 as effective January 1, 2026, a defendant at less than 50 percent of total fault, counting other defendants, other tortfeasors, and the plaintiff’s comparative negligence, is liable only for that percentage of indivisible damages. Later subsections in the same section address willful, reckless, and drug cases. 2
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Other coverage in South CarolinaEvery coverage guide for South Carolina, plus the regulator and surplus-lines details.14 documents, numbered as cited. Open the sources