Tech E&O
Technology companies face unique risks where mistakes can mean lost data, downtime, or reputational damage. Tech Errors & Omissions (E&O) coverage protects against claims of professional negligence, product failure, and service disruption.At INP Specialty, we bring firsthand experience building and advising tech companies, combining that background with deep professional liability and cyber expertise. For your clients, Tech E&O is more than protection, it’s a signal of accountability and trust.
Our Approach
We know technology because we’ve lived it. Our leadership team blends insurance professionals, technology founders, and legal experts who understand the pressures of scaling in a fast-moving industry. That perspective lets us go beyond policy placement. We design solutions that anticipate evolving exposures and align with the realities of how tech companies operate today.Our Strategy
INP Specialty partners with a select group of carriers to deliver tailored Tech E&O programs. Our strategy focuses on:
- Broad industry knowledge and technical fluency.
- Customized coverage that adapts to emerging risks.
- Hands-on claims advocacy and client support.
- Strong, lasting carrier relationships to improve outcomes
The result: forward-looking protection for innovative businesses, backed by partners who understand the complexity of modern technology risk.
Trends we are tracking
Evolving Liability in Generative AI
Generative AI is moving fast, and so are the risks. From copyright disputes to algorithmic bias to security flaws, companies deploying AI face exposures that traditional policies weren’t built for. Tech E&O carriers are now rethinking coverage triggers and exclusions. The businesses that stay ahead will be those that address governance, documentation, and vendor risk at the same pace they scale their AI offerings.
Software Supply Chain Breaches.
With most software relying on open-source or third-party components, supply chain breaches have become one of the biggest drivers of Tech E&O claims. A single vulnerability can cascade across thousands of customers, raising questions of negligence and contractual liability. The best-prepared firms are investing in continuous monitoring, vendor vetting, and incident response planning, all paired with strong Tech E&O protection.
Service Outages and Downtime Claims
Cloud providers and SaaS companies face increasing claims tied to downtime, outages, or performance failures. Contracts often promise high availability, but when systems fail, customer losses can be significant. Tech E&O plays a critical role in addressing these disputes, but coverage must be carefully structured to align with service-level agreements and evolving client expectations.
Global Data Privacy Compliance
From GDPR to CCPA to new state-level laws, data privacy rules are multiplying, and enforcement is ramping up. For tech companies handling customer or employee data, noncompliance can bring regulatory fines, lawsuits, and reputational damage. Tech E&O and cyber policies are adapting to address these exposures, but compliance-first operations remain the best defense.
Whether you're a retail broker looking for a responsive partner or a carrier seeking disciplined distribution, INP Specialty brings insight, experience, and a focus on results.
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