Why this shows up
A client may reject generic professional liability if your work is technical and the policy does not clearly fit software or IT-related services.
What this changes for you
Technology E&O connects the insurance discussion to software, systems, implementation, hosting, support, outages, and security-related service failures. It often sits close to cyber coverage but is not always the same thing.
What to check first
- Are you selling software, IT support, implementation, hosting, or managed services?
- Does the contract specifically say technology E&O?
- Does the policy include technology services or software in the covered work?
Example contract wording
Vendor shall maintain technology errors and omissions coverage, including network security and privacy liability.
What to do next
- Highlight every place the contract says technology E&O, cyber, or professional liability.
- Tell your broker exactly what technology work you perform.
- Ask whether cyber coverage is built into the policy or paired separately.
Questions to ask
- Is this true technology E&O or generic professional liability?
- Does it respond to software failure, implementation failure, or client outage claims?
- Is network security and privacy liability included?
Common mistake
Treating technology E&O and cyber as interchangeable. They can overlap, but they usually answer different parts of a client's concern.