What Tech E&O Insurance Covers (Without the Bundle)

Technology Errors & Omissions (Tech E&O) is professional liability insurance built specifically for IT companies, software firms, MSPs, SaaS providers, and dev shops. Where general liability covers physical injury and property damage, Tech E&O covers the financial harm that happens when your services or product doesn't perform as the client expected.

A standalone Tech E&O policy responds to claims like:

Negligent service: A configuration error in your client's environment causes downtime, lost revenue, or data corruption
Breach of contract: You miss a delivery deadline, fail to hit an SLA, or ship features that don't match the SOW
Failed implementation: A migration, deployment, or integration project fails and the client sues for remediation costs
Intellectual property infringement: Delivered code or design inadvertently infringes a third-party patent, trademark, or copyright
Professional negligence: A client claims your advice, code, or system design fell below the standard of care expected in your industry

Tech E&O pays for legal defense, settlements, and judgments. Most policies also include subpoena response coverage when you get pulled into a client's litigation as a non-party.

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Why Tech E&O Bundles with Cyber Liability

Tech E&O and cyber liability cover different but adjacent risks. When a client outage happens, it's often unclear whether the root cause was:

A bug in your code → Tech E&O claim
A breach in your environment → Cyber claim
Both (a bug created the vulnerability that was then exploited) → mixed claim

With separate policies from different carriers, you can end up in coverage disputes — each carrier pointing at the other. A bundled Tech E&O + Cyber policy from a single carrier eliminates that risk and pays under a single deductible.

Most carriers now offer the bundle for the same reason their underwriters see overlapping claims data.

How Much Does Tech E&O + Cyber Insurance Cost?

Bundled tech E&O and cyber insurance typically costs $1,500 to $5,500 per year — representing significant savings over separate policies.

Company Size	Separate Policies	Bundled Policy	Savings
Small (Under $500K)	$2,000 – $2,800	$1,500 – $2,100	~25%
Mid-Size ($500K – $3M)	$3,200 – $4,800	$2,500 – $3,800	~20%
Growth ($3M – $10M)	$5,000 – $7,500	$4,000 – $5,500	~18%

→ Compare bundled tech E&O + cyber quotes

Top Carriers for Tech E&O (Standalone and Bundled)

Hartford offers a combined Tech E&O and Cyber policy with seamless coverage for technology companies. Strong in IT services, MSPs, and software development firms.

Chubb provides high-limit tech E&O + cyber bundles with broad coverage terms. Preferred by larger tech companies and those with enterprise clients requiring robust coverage.

Hiscox offers affordable standalone Tech E&O and bundled coverage for startups and small tech companies with fast online quoting.

Coalition combines active insurance with continuous monitoring — their bundled product includes vulnerability scanning and threat alerts alongside E&O and cyber coverage.

→ See your bundled savings — get a free quote

Related Cybersecurity Coverages

Tech E&O + cyber is part of our broader cyber coverage family. Compare related options:

Cyber insurance — Compare standalone business cyber policies
Cyber security insurance — Ransomware, phishing, and digital threat protection
Data breach insurance — First-party forensics and notification coverage
Cyber insurance for law firms — ABA Rule 1.6-compliant cyber coverage for attorneys
Cyber liability insurance — Third-party cyber liability protection

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