Technology E&O Insurance
Technology errors & omissions (Tech E&O) is the foundation of developer insurance. It protects you when a client claims your software, code, or technical work caused them financial loss — through bugs, failures, downtime, or missed specifications.
Technology E&O for AI-Assisted Developers
When you ship code, you take on responsibility for how it performs. Technology errors & omissions (Tech E&O) responds when a client alleges that your work product — software, code, integrations, or technical deliverables — failed, contained defects, or didn't meet the agreed specification, and that failure cost them money.
What Tech E&O Covers
- Software defects & bugs: Code that malfunctions and causes a client financial loss
- Failure to perform: Software that doesn't meet the spec, SLA, or contract requirements
- Downtime & outages: Losses from systems that go down or underperform
- Missed deadlines: Project delays that trigger contractual damages
- Negligent work: Errors in your technical delivery, including AI-assisted output
- Legal defense: Defense costs, which are covered even for groundless claims
Why AI-Assisted Studios Need It Most
Vibe coding accelerates delivery — and accelerates exposure. AI-generated code can introduce subtle bugs, insecure patterns, or logic that no human fully reviewed. When that code ships and fails, your client looks to you, not to the AI vendor. Tech E&O is what stands between an AI-introduced defect and a six-figure breach-of-contract claim.
Claims-Made Coverage
Tech E&O is almost always written on a claims-made basis, meaning the policy must be active both when the work was done and when the claim is filed. Maintaining continuous coverage — and a retroactive date that reaches back to your earliest work — is essential. We help you structure it so old projects stay protected.
Contract Requirements
Most serious clients require Tech E&O in their master service agreements, often with $1M+ limits. We issue certificates of insurance same-day so you can sign and start.
What's Covered
Frequently Asked Questions
General liability covers third-party bodily injury and property damage — someone tripping in your office. Tech E&O covers financial losses a client suffers because your software or technical work failed. Developers need both, but Tech E&O is the one tied to your actual work.
Yes. Tech E&O responds to defects and failures in the work you deliver, regardless of whether you wrote the code by hand or with an AI assistant. Since you carry the liability to your client, the source of the code doesn't change your coverage.