Tech E&O Insurance
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Tech E&O, or Technology Errors & Omissions if you want the full name, is Professional Indemnity insurance for technology businesses. Same product, different name, mostly used in the US. If you've seen it listed as a requirement in an American contract and wondered what it was, that's your answer. If you're working with US clients, it's worth checking your PI policy actually meets their requirements. Sometimes it does. Sometimes it doesn't.
What This Covers
Claims arising from software or technology failing to perform as specified- System outages or failures that cause a client financial loss
- Incorrect outputs, errors in code, or flawed system design
- Legal defence costs and compensation, same as PI
What This
Does NOT Cover
Intellectual property infringement, including patents, trademarks, and copyright, which usually needs its own IP cover- Anything you already knew about, or a claim already in motion, before the policy started
- Deliberate, dishonest, or fraudulent acts
- Fines, penalties, or liquidated damages written into a contract beyond what the law would impose
- Bodily injury or damage to physical property, which sits under public liability
- Data breaches, hacking, and other cyber incidents, which a cyber policy handles
Who
Needs This Insurance
Tech businesses working with US clients or signing US contracts
SaaS, platform, and product-led businesses operating internationally
Any tech business that wants to make sure their PI policy covers them properly
