Does Tech E&O Cover Data Loss?
Some Tech E&O policies cover a client’s claim after data loss; cyber coverage may pay first-party recovery costs and breach response.
The Hartford describes the former; NAIC describes the latter.
Check covered services, data definitions, restoration expenses, backup conditions, security failures, vendor systems, and exclusions. Ask whether the client must make a claim or first-party cyber coverage can pay your recovery costs.
Coverage Guides Related to Professional Liability, E&O and Tech E&O
Sources for Professional Liability, E&O and Tech E&O Answers
- Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; Coverage; Works With Contracts; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-25.
- Cyber Insurance: Cybersecurity for Small Business. National Association of Insurance Commissioners; What Should Your Cyber Insurance Policy Cover?; first-party coverage; third-party coverage, pp. 1–2. Accessed 2026-09-25.
- Cyber liability risks. Insurance Information Institute; What cyber liability insurance covers. Accessed 2026-09-25.