Technology Errors & Omissions
For firms whose deliverables are data, models, scans or software: BIM studios, reality capture firms, GIS consultants and design firms that license their own tools.
A standard professional liability policy is written around design services. When the product is a data set or a model, the definition of professional services may not reach it. Technology E&O is built for that work.
Where Technology E&O Fits
Data others build from
Point clouds, surveys and models get handed to designers and contractors. An error can travel a long way before anyone finds it.
Software and tools
Plugins, scripts and apps you build or license to others are a separate exposure from the design work itself.
Hosting client files
If you store or share client models, a breach or loss of that data can lead to claims. This often pairs with cyber coverage.
Missed delivery
Late or failed delivery of a technical product can cause a client financial loss even when nobody was hurt and nothing was damaged.
Reviews, reports and advice
When a platform also reviews documents, reports progress or recommends actions, clients rely on that output like professional advice. Many technology forms exclude work done as an architect, engineer or surveyor, so those services need to be described and confirmed with the carrier.
Professional Liability or Technology E&O?
Some carriers write a combined form. Others need two policies that fit together without a gap.
Technology E&O: Common Questions
We work in our clients’ software, not our own. Is that technology E&O?
Not necessarily. Technology E&O is generally built around your own technology products and services. If what you deliver is people reviewing, organizing or advising, a professional liability form may fit better, or you may need a form that clearly addresses both. The policy wording decides.
Many technology policies exclude architect and engineer work. Does that affect us?
It can. Some technology forms exclude services performed in the capacity of an architect, engineer or surveyor. Review, coordination and advisory work can fall in between, so we ask carriers to confirm how they would treat your specific services.
Does technology E&O cover injuries on a job site?
Usually it is written for financial loss, and many forms limit or exclude bodily injury. Injury claims tied to professional services are a separate question worth reviewing with your agent.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.