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Tech E&O

Technology E&O, built for the product that can fail.

Software, MSPs, integrators and dev shops carry two exposures at once — the service that fails and the data that leaks after it does.

Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Technology errors and omissions responds when a software product, a managed service or a technical engagement fails to do what it was supposed to do, and it often sits beside cyber because a failure and a data exposure can be the same event. Enterprise contracts usually ask for it. Cennairus places it for software companies, MSPs, integrators and dev shops.

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  • Peoplea licensed broker works it
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Technology E&O

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Why send it here

What you get

Covers the service, not just the code

Tech E&O responds when the technology product or service itself fails to perform — not only when data gets exposed.

Cyber travels with it

A service failure and a data event are frequently the same incident, so most technology businesses buy tech E&O and cyber liability together.

Contract limits drive the number

Enterprise clients and platform agreements often name the E&O and cyber limits a vendor must carry before a contract is signed.

Built from what the business already runs on

A description of the product, the stack and how client data is handled is enough to route the submission — no lengthy security audit up front.

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How it works

How do I quote technology E&O through Cennairus?

01

One submission, both exposures

Tech E&O and cyber liability quoted from a single application instead of duplicated across two.

02

Direct to the specialist markets

Our cyber and technology integrations connect straight to the market — no portal queue in between.

03

Sized for real software businesses

From a two-person consultancy to a funded platform, including the contract limits enterprise clients demand.

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Worth knowing

What does technology E&O not cover?

  • Bodily injury or property damage A visitor injured at the office, or hardware damaged on-site, is General Liability — not a technology E&O exposure.
  • Injuries to the company’s own staff An employee hurt on the job is Workers’ Comp, no matter how technical the business is.
  • Claims against directors and officers A dispute over a board decision or fiduciary duty is a Directors & Officers exposure, separate from a failure of the product itself.
  • Theft or fraud by staff An employee moving money out of the company, or a socially-engineered wire, is a Crime & Fidelity claim — not a product failure.

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In plain terms

What does technology E&O cover?

  • Technology errors & omissions responds when a software product, a managed service or a technical engagement fails to do what it was supposed to do — code that.
  • Because a technical failure and a data exposure are frequently the same event — a bug that also leaks records, an outage caused by an intrusion — tech.
  • SaaS platforms, managed service providers and software vendors are asked for evidence of this coverage before an enterprise contract gets signed.

Who buys it: software developers and saas platforms; managed service providers (msps) and it consultants; systems integrators and implementation firms; app and web development shops; data and analytics providers; it staffing and technical outsourcing firms.

The outage, the failed integration, the breach that followed it — one submission, underwritten as the single risk it actually is.

Questions we get

Tech E&O, answered

Is tech E&O the same as cyber insurance?

They’re related but not identical.

Does this cover third-party or open-source code the business relies on?

It can, depending on how the application describes the business’s use of third-party components — that is exactly the kind of detail worth disclosing on the submission rather than assuming either way.

What limits do enterprise clients usually require?

It varies by contract and by the size of the client relationship.

What does an underwriter ask a software business?

A description of the product or service, revenue, the largest client contracts in force, and how client data is handled.

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