--- title: "Does Tech E&O Cover Software Bugs?" description: "Tech E&O may cover client losses from a covered software bug; fixing your own code or honoring a warranty may be excluded." canonical: "https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-software-bugs" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "professional-liability" question: "does-tech-eo-cover-software-bugs" --- 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. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-software-bugs) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Tech E&O Cover Software Bugs?" within the Professional Liability FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Tech E&O Cover Software Bugs? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Professional Liability FAQ](https://thegeneralaverage.com/insurance-faq/professional-liability) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Tech E&O Cover Software Failure?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-software-failure) — related question - [Does Tech E&O Cover Implementation Errors?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-implementation-errors) — related question - [Does Tech E&O Cover Downtime?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-downtime) — related question - [What Insurance Does a Software Developer Need?](https://thegeneralaverage.com/insurance-faq/professional-liability/software-developer-insurance) — related question - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) — related coverage guide # Does Tech E&O Cover Software Bugs? Tech E&O may cover client losses from a covered software bug; fixing your own code or honoring a warranty may be excluded. A bug may cause a client to allege a covered technology-service error, but not every defective release qualifies. The Hartford and Coalition list software failures as possible claims, subject to the actual wording and facts. Check scheduled development, SaaS, maintenance, and update work, plus warranty, known-defect, failure-to-perform, and first-party repair exclusions. Ask how remediation, service credits, and consequential losses are handled. ## More Questions About Tech E&O Insurance - [Does Tech E&O Cover Software Failure?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-software-failure) - [Does Tech E&O Cover Implementation Errors?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-implementation-errors) - [Does Tech E&O Cover Downtime?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-downtime) - [What Insurance Does a Software Developer Need?](https://thegeneralaverage.com/insurance-faq/professional-liability/software-developer-insurance) ## Coverage Guides Related to Tech E&O Insurance - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) ## Sources for Tech E&O Insurance Answers 1. [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?; Coverage; Works With Contracts; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-25. 2. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-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. More answers: [Professional Liability, E&O and Tech E&O FAQ](https://thegeneralaverage.com/insurance-faq/professional-liability). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-software-bugs.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)