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Technology E&O Insurance

The claim is not that you broke something — it is that your work did not deliver. General liability is written to exclude exactly that, and client contracts increasingly refuse to sign without Tech E&O in place.

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01

Tell us about your work

Use the form below, or email Info@BlackfireInsurance.com.

02

We shop your risk

Your submission goes to A-rated markets and we pull back the strongest terms, not just the cheapest.

03

Quotes back fast

A licensed specialist walks you through the options — including what each policy excludes — before you commit to anything.

What does technology E&O insurance cover?

It responds when a client says your product or service caused them financial loss — and it pays the lawyers either way.

Failure to perform

Claims that your software, platform or service did not deliver what the contract promised.

Negligence, errors and omissions

Mistakes in delivered work — a misconfiguration, a missed requirement, a faulty deployment.

Breach of contract allegations

Disputes over whether you met the terms of an agreement or statement of work.

Missed deadlines and project disputes

Claims arising from delayed launches and failed implementations.

Legal defence

Attorney fees, court costs and expert witnesses, from the first letter onward.

Subcontractor work

Claims from work performed on your behalf, where the policy is written to include it.

Who needs technology E&O insurance?

If clients pay for your technical work or rely on your platform, a single disputed project can cost more than a year of profit.

SaaS and software products

Third-party claims when your platform fails, loses data or misses an SLA.

Managed service providers and IT services

The policy most likely to respond first when a client system goes down on your watch.

Custom development and agencies

Scope disputes, missed requirements and failed deliveries under contract.

Data, AI and analytics

Claims that your model, pipeline or output led a client to a costly decision.

Fintech and platforms

Financial data flows raise both the stakes and the contract requirements.

IT consultants and fractional leadership

Advice is a professional service — and bad advice is an E&O claim.

Technology E&O and cyber liability are usually bought together — E&O responds when your work fails a client, cyber responds when systems are attacked, and structuring them as a pair closes the gap between the two policies.

See cyber liability insurance

FAQ

Technology E&O insurance FAQs

Straight answers to the questions buyers ask most.

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What is the difference between Tech E&O and general liability?

General liability covers bodily injury and property damage. Tech E&O covers financial loss from your professional work — the exposure GL forms explicitly exclude.

What is the difference between Tech E&O and cyber insurance?

E&O responds when your work fails a client. Cyber responds when systems or data are attacked. Most technology businesses need both, and buying them together closes the gap between the two policies.

What does Tech E&O insurance cost?

Carriers set the premium, not us — and pricing for the same firm can vary widely between markets. We shop your risk to A-rated carriers and bring back the strongest options, with a licensed agent explaining what drives each number: revenue, the work you do, contract sizes, claims history and the limits you choose. The quote is free, carries no obligation, and a licensed specialist reviews your request.

What limits do I need?

Most small firms carry one million per claim, and the floor is usually set by your largest client contract — find the highest E&O requirement across your active agreements and start there.

What is a retroactive date and why does it matter?

E&O is claims-made cover. The retroactive date sets how far back your covered work goes — switch carriers carelessly and years of past projects can silently lose cover.

My contracts limit my liability — do I still need it?

A limitation of liability clause does not stop a client from suing, and defending even a losing claim costs six figures. The policy pays the defence your contract cannot prevent.

Are subcontractors covered?

Only where the policy is written to include work performed on your behalf — a point we check on every quote, because agencies and MSPs get caught here.

How fast can I get a certificate for a contract?

A licensed specialist reviews your request and walks you through real options, and a certificate of insurance is issued once cover is bound.

Ready to compare options?

Tell us about your business and we will compare options across A-rated carriers.