# Tech E&O Insurance E&O purpose-built for technology businesses, software vendors, and platform operators. ## About technology errors and omissions Tech E&O blends professional liability with technology-specific exposures: software defects, integration failures, downtime, and the financial harm a customer claims when your product did not perform as promised. ## What this policy responds to The core exposures this coverage line responds to. ## Typical operators on this line Who we most often place this coverage for. ## What this policy does not cover Common gaps clients assume are included. These usually need a separate line or an endorsement. ## What drives the cost Underwriters price this line on your specifics, not a flat rate. These are the factors that move a premium up or down. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### How is tech E&O different from regular E&O? Tech E&O is professional liability written for technology work. It adds language for software defects, integration failures, and service-level shortfalls that a generic E&O form may not contemplate. ### Do I need cyber liability too? Usually yes. Tech E&O answers for harm your product causes a customer; cyber answers for a breach of the data you hold. The two are commonly bundled so one event does not fall between them. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time.