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Technology Professional Indemnity Insurance: Errors & Omissions (Tech E&O) Resilience for System Failures
- System Failure & SLA Defense: Coverage for breach of contract and financial loss arising from system outages, bugs, or integration errors.
- Affirmative AI Liability: Explicit protection for Algorithmic Bias and AI-assisted coding under the 2026 UK/EU AI Act frameworks.
- Vicarious Liability for Global Teams: Comprehensive cover for your in-house staff, offshore dev centers, and specialist sub-contractors.
Enterprise Grade Tech PI / Tech E&O
Technology Professional Indemnity Insurance (Tech E&O) is designed to protect tech businesses against allegations that their products, services, advice, software, or systems caused financial loss to a client.
Secure the A-rated cover required to satisfy enterprise procurement. We can align your policy triggers with your Master Service Agreements (MSAs), covering everything from software failure to IP disputes.
Tech PI vs. Tech E&O
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In the UK, we call the cover Technology Professional Indemnity. In North America, it’s Technology Errors & Omissions. For North American clients the distinction matters, but we can provide compliant 'Certificates of Insurance' to ensure there's no issues.
Risk Management
Whether you are a SaaS provider, software developer, managed service provider, cloud platform, fintech business, or IT consultancy, Tech E&O forms a critical component of your overall risk management strategy.
System Failures & Human Errors
For modern technology businesses, claims often have little to do with traditional professional advice and everything to do with service delivery, platform dependency, integration failure, and contractual performance.
Make sure your Technology Business Insurance is fit for purpose and covers software bugs, failed deployment, corrupted data flows, or API outage that can trigger substantial client losses, contractual disputes, and reputational harm.
Specialist Wordings and Endorsements
For technology businesses, the greatest exposure often stems from system failure or operator error, which are different to claims triggers found under many traditional PI policies. As a result, the policy wording should place particular emphasis on performance failure and breach of contract, rather than relying on the more traditional scope of negligent advice.
We work with insurers to ensure that their Tech PI wordings are suitable to trigger any failure of your technology services to perform, regardless of whether "negligence" can be proven immediately.
Contract Requirements
MSA & SOW
The Master Services Agreement and Statement of Work can contain indemnification clauses, hold harmless obligations, service warranties, and performance commitments that go far beyond the assumptions built into a standard Tech PI policy.
Contract risk management should form your first line of defense. We can assist during the negoiation process to ensure that your Tech PI cover and limit is appropriate for the exposure you're accepting.
Certificates
Procurement teams, CFOs, and legal counsel want evidence that your insurance programme can provide them with the security they need.
At Indemnity, we can provide Certificates of Insurance that demonstrates the robustness of your Tech PI cover, so your clients have the confidence you have the correct protections in force.
USA Jurisdictional Cover
If you agree under contract to have disputes heard in the USA or Canada, then your policy will need to be structured to allow for that cover to be provided.
With a more litigious legal system, the greater exposure you have to contracts under USA and Canadian law, the higher your insurance premiums. Depending on a number of factors, premiums can in fact be a multiple to include Jurisdicational Cover for North America.
Blended Tech PI, Cyber, and Product Liability
Ensure no gaps in coverage
Technology PI should not be viewed in isolation. It is recommended that programmes are built as an integrated three-part framework, with each pillar addressing a different consequence of technology failure.
Without coordination, there is a risk of grey areas between financial loss, cyber events, and physical consequences.
As a specialist Tech broker we can structure these policies as a connected system, ensuring that your protection reflects how modern technology claims actually occur.
Sector Specific Guides
2026 Risk Landscape
DORA Compliance
For software houses and technology providers serving the financial sector, the Digital Operational Resilience Act has changed the standard of care expected from third-party ICT providers.
Clients now expect their vendors to demonstrate not only secure systems, but also recoverability, continuity planning, incident response capability, and resilience under stress.
If a technology provider fails to meet these expectations and a client suffers financial loss, allegations may arise that the provider failed to deliver services to the required professional standard.
Intellectual Property
Intellectual property disputes remain one of the most important exposures for innovation-led businesses. In 2026, these disputes increasingly focus on code provenance, software ownership, open-source usage, and the integration of third-party components into commercial products.
Technology PI can provide valuable protection against allegations of copyright infringement and related IP claims, particularly where questions arise over the origin of code, the use of libraries, or the incorporation of external material into a client facing solution.
Specialist Advocacy and Technical Knowledge
Technology businesses face a constantly evolving risk landscape shaped by AI, contractual obligations, and cyber threats. Your Tech PI should be considered on a blended basis to ensure there are no gaps in cover.
At Indemnity, we can access the leading insurers and negotiate the protection your business needs.
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Fair Value Statement
We are committed to ensuring that the solution we provide delivers fair value in line with the FCA Consumer Duty. We assess insurers based on the strength of their wording, claims history, financial security, and suitability for technology-led businesses.
Our objective is to deliver Tech PI that provides meaningful protection, supports growth, and performs as expected when it matters most.
Access to A-Rated Technology Insurers
Testimonials
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Investor Protection
Frequently Asked
Questions
What is Technology Professional Indemnity insurance?
Often called Tech PI or Tech E&O, Technology Professional Indemnity insurance protects tech businesses against claims that their software, technology services, or advice caused a client financial loss.
It can respond where a client alleges that your services or technology failed to perform as expected, for example a coding error, failed integration, system downtime, or breach of professional duty.
Can our policy cover 'Vicarious Liability' for our offshore developers?
Yes. Software houses are increasingly held liable for the actions of offshore teams and contractors. We ensure your overseas subsidiary companies are covered, and Vicarious Liability is provided to yourself for work undertaken by 3rd party sub-contractors.
Does Tech PI cover AI-related errors?
AI Liability is an evolving subject, but we can seek the clarity you need if your technology service is reliant upon artificial intelligence.
Most policy wordings don’t specifically address the question, but some insurers are happy to provide affirmative coverage. Don’t assume your Tech PI will automatically provide the cover, ask the question to gain confidence.