Is tech E&O the same as cyber insurance?
No. Technology errors and omissions answers for your product or service failing a client and costing them money, while cyber answers for a security or privacy failure involving data. They are commonly sold on one policy, which is why they get treated as one thing, and they respond to different events.
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The detail
Technology errors and omissions covers claims arising from the failure of the technology product or service the insured provides to others.
Cyber coverage responds to security failures and privacy events involving data, rather than to the professional quality of the work delivered.
Technology firms are commonly written on a combined form carrying both coverages, frequently sharing one limit between them.
What this means for you
- The test is what the client is angry about. If the complaint is that your software did not do what you said it would, that is technology errors and omissions. If the complaint is that data was taken or exposed, that is cyber.
- One incident can be both, and a shared limit matters then. A flawed deployment that takes a client offline and exposes their customer list is a professional failure and a privacy event at once. On a combined policy with one limit, both claims draw down the same money.
- Client contracts rarely use either term correctly. Agreements ask for "cyber liability" and then describe an obligation that only technology errors and omissions would answer. Reading the indemnity clause is the only way to tell which coverage the requirement actually needs.
- Buying only one is the common mistake in both directions. Software firms buy cyber and assume it covers a failed implementation, and consultancies buy professional liability and assume it covers a breach. Neither assumption survives a claim.
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Related questions
- Does tech E&O cover a data breach?
Not by itself. A breach is a security and privacy event, so it belongs to the cyber coverage, and a technology errors and omissions form written on its own would not respond. Most technology policies now bundle the two, so the practical answer for a given business depends on whether the cyber section was included rather than on the label at the top of the policy.
- We only sell software to other businesses. Do we still need cyber?
Almost certainly, and for a reason that has nothing to do with consumers. You hold your clients' data in order to run the service, so a breach of your systems exposes their information and their customers' information, and the claims come to you. Selling only to businesses changes who sues you rather than whether anyone does.
- Which one does a client contract usually require?
Larger technology contracts increasingly require both, at separate stated limits, and name the buyer as an additional insured on the liability sections. Where only one is named it is usually cyber, because the clause was written by somebody thinking about a breach notification rather than about a failed integration.
- Which half of a cyber policy a contract is asking for
- A contract wants $10M of cyber and $5M of tech E&O. Is that placeable?
Yes, and not from a website form. Limits at that size are built as a primary policy with excess layers above it, priced off how the primary underwriter reads your security controls, the volume of records you hold and what your client agreements make you responsible for. We place these towers for technology and staffing firms, usually after an online marketplace has stopped short.
- How $10M cyber and $5M tech E&O get placed
Need this handled?
Reading about it and having it handled are different jobs, and the second one is ours. We place the accounts other brokers decline — claims history, a cancellation, an unusual operation, a business nobody wants to underwrite twice — and we will tell you when the policy you already have is the right one. Tell us the situation and a licensed human replies the same business day.
Written by the licensed brokers at Boring Insurance. Last updated 2026-09-09. See all guides.