Does Tech E&O Cover Downtime?
Tech E&O may cover a customer’s loss from your technology service downtime; your own lost revenue needs separate interruption coverage.
Your own lost revenue during an outage is a separate first-party loss and may need a qualifying business-interruption extension.
Check the outage trigger, whose interruption is insured, uptime promises, waiting period, cloud-provider exclusions, restoration, and defense costs. Review treatment of service credits and liquidated damages.
Coverage Guides Related to Professional Liability, E&O and Tech E&O
Sources for This Answer
- 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.
- How to add Tech E&O coverage to a Coalition quote. Coalition North American Servicing; Opening paragraph; Steps 1–2 (Tech E&O offered as optional endorsement to Coalition cyber coverage). 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.