Technology E&O Insurance
Technology errors & omissions (tech E&O) is the foundation policy for any Python development or data/ML consultancy. It combines professional liability for your technology work with cyber liability into a single form built for software companies.
Technology E&O for Python & Data Consultancies
Technology E&O is the single most important coverage a software developer can carry. It blends professional liability (claims that your code, software, or service failed to perform or caused a financial loss) with cyber liability (data breaches and privacy claims) into one policy designed specifically for technology firms — rather than forcing you to bolt together mismatched construction or retail forms.
For a Python shop, the everyday tech E&O claims are very specific: a bug or failed deployment that costs a client revenue, a data pipeline that silently corrupts records, a model that produces wrong outputs a client relied on, a missed SLA, or a security gap in software you delivered that leads to a breach. Tech E&O responds to both the professional mistake and the data/security event that often follows it.
Claims-Made and Why the Retroactive Date Matters
Tech E&O is almost always written on a claims-made basis: the policy must be in force both when the work was done and when the claim is filed. Your retroactive date determines how far back your past work is covered, and tail coverage (extended reporting) protects you after you switch carriers or close the business. We make sure your retroactive date preserves coverage for prior projects and that enterprise clients' contract requirements are met from day one.
What's Covered
Frequently Asked Questions
General liability covers bodily injury and property damage — someone tripping at your office. Tech E&O covers the financial harm your software or services cause: bugs, failed projects, missed deadlines, and data breaches. Developers need tech E&O because GL specifically excludes professional/technology services.
Technology claims often surface long after the work was delivered. A claims-made policy covers claims reported while the policy is active, as long as the work occurred after your retroactive date. We manage your retroactive date and tail coverage so prior projects stay protected.