Tech E&O is professional liability coverage designed for technology-related work. It typically responds when a client alleges things like:
You failed to deliver services as promised
A bug, misconfiguration, or downtime caused financial loss
An integration or deployment went wrong
You missed a deadline or scope requirement
Your advice, recommendations, or work product led to damages
Even if you did nothing wrong, defense costs alone can be expensive. Tech E&O helps cover legal defense, settlements, and covered judgments.
These are different policies, and many tech companies need both.
Focuses on performance, delivery, and professional services claims. If your SaaS goes down and a client sues for lost revenue, that is usually Tech E&O territory.
Focuses on security events like ransomware, breaches, extortion, and cyber-related business interruption. If you get breached and customer data is exposed, that is usually cyber territory.
Some incidents trigger both. Orvia helps you structure them together so you do not end up with gaps or overlap confusion.
Coverage varies by carrier and business model, but commonly includes:
If clients rely on your tech to operate, Tech E&O is a core protection layer. It is especially important for:
SaaS companies and software developers
MSPs, IT service providers, and cloud consultants
Web and app development agencies
Systems integrators and implementation partners
Cybersecurity consultants and managed security providers
Data, analytics, and AI solution providers
Payment, fintech, and embedded software platforms
Game developers and digital product studios
A software update breaks functionality and the client claims business loss
An integration causes downtime and missed revenue
A configuration error exposes a client to loss and they pursue damages
A project delay triggers penalty claims tied to delivery
A service does not meet requirements and the client alleges financial harm
This depends on the policy, but common limitations include:
Intentional wrongdoing or fraud
Bodily injury and property damage (usually handled elsewhere)
Pure cyber events like ransomware and breach costs if not specifically included
Known issues prior to policy start
Certain contractual liabilities, warranties, or guarantees beyond negligence
Orvia will walk you through the exclusions that matter most for your business model.
Pricing depends on factors like:
If you sell into enterprise, healthcare, finance, or public sector, limits and requirements tend to be higher.
Tech E&O is all about wording, definitions, and what triggers a claim. Orvia helps you get it right.
Not a generic template — built from your actual workflows and deliverables.
Make sure your coverage aligns with what clients and partners expect.
Matched to real exposure, not arbitrary numbers.
We place with insurers that understand technology businesses.
No gaps, no overlap confusion.
Many client contracts require it, especially in B2B SaaS, MSP, and enterprise services.
Usually no. General liability is not designed for professional services errors or financial loss claims.
It depends on client size, contract requirements, and what a worst-case claim could look like for your business. Orvia can help you pick a limit based on real exposure.
