--- title: "What Does Software Company E&O Insurance Cover?" description: "Some technology E&O policies offer limited IP cover; other professional E&O forms exclude copyright, trademark, patent, or trade-secret claims." canonical: "https://thegeneralaverage.com/insurance-faq/professional-liability/software-company-eo-insurance" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "professional-liability" question: "software-company-eo-insurance" --- 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/software-company-eo-insurance) ## Agent Guide **What this page is:** Direct, cited answer to the question "What Does Software Company E&O Insurance Cover?" 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:** - What Does Software Company E&O Insurance Cover? **Key facts:** - Cites 3 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 an AI Company Need E&O Insurance?](https://thegeneralaverage.com/insurance-faq/professional-liability/ai-company-eo-insurance) — related question - [Does an IT Consultant Need E&O Insurance?](https://thegeneralaverage.com/insurance-faq/professional-liability/it-consultant-eo-insurance) — related question - [Does a Technology Consultant Need E&O Insurance?](https://thegeneralaverage.com/insurance-faq/professional-liability/technology-consultant-eo-insurance) — related question - [What Insurance Does an API Business Need?](https://thegeneralaverage.com/insurance-faq/professional-liability/api-insurance) — related question - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) — related coverage guide - [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) — related coverage guide # What Does Software Company E&O Insurance Cover? Some technology E&O policies offer limited IP cover; other professional E&O forms exclude copyright, trademark, patent, or trade-secret claims. The sample Hiscox form excludes several IP claims, while The Hartford and Coalition describe limited features in specific technology products; these are not standard terms. Check the actual exclusion or endorsement, covered rights, defense costs, open-source code, territory, prior knowledge, and client indemnity terms. Request the endorsement text. ## More Questions About Professional Liability, E&O and Tech E&O - [Does an AI Company Need E&O Insurance?](https://thegeneralaverage.com/insurance-faq/professional-liability/ai-company-eo-insurance) - [Does an IT Consultant Need E&O Insurance?](https://thegeneralaverage.com/insurance-faq/professional-liability/it-consultant-eo-insurance) - [Does a Technology Consultant Need E&O Insurance?](https://thegeneralaverage.com/insurance-faq/professional-liability/technology-consultant-eo-insurance) - [What Insurance Does an API Business Need?](https://thegeneralaverage.com/insurance-faq/professional-liability/api-insurance) ## Coverage Guides Related to Professional Liability, E&O and Tech E&O - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) - [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) ## Sources for This Answer 1. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-25. 2. [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. 3. [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/software-company-eo-insurance.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)