{"id":10223,"date":"2026-01-05T08:59:18","date_gmt":"2026-01-05T16:59:18","guid":{"rendered":"https:\/\/www.businessinsuranceusa.com\/blog\/?p=10223"},"modified":"2026-03-13T13:55:36","modified_gmt":"2026-03-13T20:55:36","slug":"why-tech-errors-not-covered-general-liability","status":"publish","type":"post","link":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/why-tech-errors-not-covered-general-liability\/","title":{"rendered":"General Liability Won\u2019t Cover Tech Errors and What to Do Instead"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time: <\/span><span class=\"yoast-reading-time__reading-time\">7<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-ai-summarize yoast-ai-summarize\"><h2>Key Takeaways<\/h2>\n<ul class=\"wp-block-list yoast-ai-summarize-list\">\n<li>Many small businesses are underinsured, especially regarding general liability insurance, which does not cover all risks.<\/li>\n\n\n\n<li>General liability protects against third-party injuries and property damage but excludes tech-related errors and financial losses.<\/li>\n\n\n\n<li>Tech companies and non-tech businesses alike face unique risks that general liability doesn&#8217;t cover, demanding additional insurance policies.<\/li>\n\n\n\n<li>Consider policies like Tech Errors and Omissions or Cyber Liability to fill gaps in coverage and protect your business.<\/li>\n\n\n\n<li>Review your insurance policy to ensure it aligns with your business activities and risk exposures.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>Many small businesses today are underinsured. Yes, this might even include your business. Perhaps you have commercial general liability insurance, but the truth is, while this type of insurance is essential, there\u2019s a lot that it doesn\u2019t cover.<\/p>\n\n\n\n<p>Here, we\u2019ll discuss what your general liability does and doesn\u2019t cover. We\u2019ll also talk about how you can close the gap to help expand your coverage and keep your business protected as much as possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-your-general-liability-will-cover\">What Your General Liability Will Cover<\/h2>\n\n\n\n<p>General liability is designed to cover third-party injuries or property damage caused by you.<\/p>\n\n\n\n<p>For instance, if a customer breaks their leg after tripping on something in your store, your policy would provide coverage.<\/p>\n\n\n\n<p>It can also protect against damage to third-party property. This could include damage to a client\u2019s device that was being repaired.<\/p>\n\n\n\n<p>If your insurer agrees to cover the claim, they can also reimburse for legal expenses, if necessary.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-technology-complicates-things\">How Technology Complicates Things<\/h2>\n\n\n\n<p>Operating a tech service company has unique risks and challenges.<\/p>\n\n\n\n<p>A client may sue you after you delivered poor consulting advice, causing their database restructuring project to fail.<\/p>\n\n\n\n<p>Your client may lose hundreds of thousands of dollars due to a bug in the software you developed.<\/p>\n\n\n\n<p>Or, you might even cause a client to face downtime after their system crashes due to a misconfiguration on your part.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-coverage-gaps-for-tech-companies\">Coverage Gaps for Tech Companies<\/h2>\n\n\n\n<p>Each of the latter situations has something in common: they don\u2019t include bodily injury or third-party property damage. But the risks are still clearly there, and newsflash: it\u2019s expensive, and you\u2019re responsible for covering the costs.<\/p>\n\n\n\n<p>Unfortunately, your <a href=\"https:\/\/www.businessinsuranceusa.com\/general-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">general liability<\/a> policy won\u2019t be helping you out in these cases, as they exclude electronic data liability.<\/p>\n\n\n\n<p>Not only does general liability exclude electronic data, but it also excludes pure financial loss with no physical damage and damage to your work due to your product\/service failing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-even-non-tech-businesses-have-tech-risks\">Even Non-Tech Businesses Have Tech Risks<\/h2>\n\n\n\n<p>Maybe you\u2019re not in tech at all, but provide another service like refrigerator repair, construction, or plumbing.<\/p>\n\n\n\n<p>Either way, you likely still use technology in some shape or form, from scheduling jobs with clients via software to installing digital thermostats. It\u2019s little things like these that could increase your risk in business.<\/p>\n\n\n\n<p>Your scheduling software could get hacked and send a phishing e-mail to all of your customers. You calibrated a refrigerator\u2019s automated temperature sensor wrong. Or, maybe you faced a <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/business-owners-insurance-bop\/business-interruption-insurance-explained\/\" target=\"_blank\" rel=\"noreferrer noopener\">business interruption<\/a> due to a cyberattack on your BIM software, which caused you to lose schedules and project blueprints.<\/p>\n\n\n\n<p>While you or your client experiences a financial loss, and you risk legal trouble, your general liability insurer will say, \u201cSorry, we can\u2019t help with that.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-do-next\">What to Do Next<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Check your general liability policy.<\/li>\n<\/ol>\n\n\n\n<p>Are you covered under general liability, and do you know what you\u2019re excluded from?<\/p>\n\n\n\n<p>Inquire with your insurance company if data-related or <a href=\"https:\/\/law.stanford.edu\/wp-content\/uploads\/2016\/07\/R.L.RABIN-SSRN-Rotterdam-Conf-paper-revised-for-ssrn-2727885-Intangible-Damages-in-American-Tort-Law.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">intangible damages<\/a> are covered. See if your policy excludes \u201cfinancial loss\u201d or damages due to \u201cwork you performed.\u201d<\/p>\n\n\n\n<p>Exclusions like these are common with most general liability policies. However, it never hurts just to make sure.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Consider an additional policy.<\/li>\n<\/ol>\n\n\n\n<p>For tech-type exposure: Technology Errors &amp; Omissions (Tech E&amp;O) or <a href=\"https:\/\/www.businessinsuranceusa.com\/professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Professional Liability<\/a> (Errors &amp; Omissions) is what you are looking for. This type of coverage is aimed at covering the \u201cwe messed up your software\/service, and you lost money\u201d kind of risk.<\/p>\n\n\n\n<p>For businesses that work with data or are at risk of a data breach, <a href=\"https:\/\/www.businessinsuranceusa.com\/cyber-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Cyber Liability insurance<\/a> is also a strong consideration.<br><\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Make your insurance policy suit your company.<\/li>\n<\/ol>\n\n\n\n<p>If you are doing services, such as consulting or software, for clients, then you are absolutely in the range where E&amp;O is applicable.<\/p>\n\n\n\n<p>If you are just fully traditional and fully trade-focused and do not interact with the technology in any way that affects your customers, you may not need it as much. But with how technology seeps into everything, it is definitely something you will want to chart.<\/p>\n\n\n\n<p>Make sure your <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/business-insurance-made-easy\/\" target=\"_blank\" rel=\"noreferrer noopener\">definitions of your policies<\/a> actually reflect what you do. They should not be just a generic \u201cconstruction contractor doing plumbing &amp; pipefitting\u201d if you also install IoT water sensors, for instance.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>Inquire with your broker\/agent using realistic examples<\/li>\n<\/ol>\n\n\n\n<p>Examples of stories:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#8220;What if I implement an installment and it fails, resulting in revenue loss for the client?&#8221;<\/li>\n\n\n\n<li>&#8220;What if I develop software and a bug causes the operations of the client to shut down for one week?&#8221;<\/li>\n\n\n\n<li>&#8220;What if I give the client advice and the operations cause the client financial loss?&#8221;<\/li>\n<\/ul>\n\n\n\n<p>If the response from your insurer is &#8220;We&#8217;ll cover that,&#8221; you can then follow up with:<\/p>\n\n\n\n<p>&#8220;What policy will cover this risk, and under what terms is it excluded?&#8221;<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>Keep your client contracts clean.<\/li>\n<\/ol>\n\n\n\n<p>\u201cMany disputes also arise because there is an \u2018SLA contract\u2019 with the client that has tough language, \u201cwe guarantee zero downtime, or \u201cwe won\u2019t refund you,\u201d then something goes wrong.\u201d<\/p>\n\n\n\n<p>Well-defined, realistic language, processes that are traced and followed, and proofs that are delivered on time are what can really help insurance underwriting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-there-s-a-gap-in-tech-related-coverage\">Why There\u2019s a Gap in Tech-Related Coverage<\/h2>\n\n\n\n<p>Insurers price risks based on how severe they are and how frequently they have occurred historically. Injuries and property damage are relatively easy for insurance providers to price. These have been common claims for decades.<\/p>\n\n\n\n<p>Claims involving technology, on the other hand, aren\u2019t always understood by insurers. They\u2019re newer, and tech-related incidents can vary drastically, especially between industries. This is why insurers have separate coverages for Tech E&amp;O, E&amp;O, and <a href=\"https:\/\/www.businessinsuranceusa.com\/cyber-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Cyber<\/a>. Keeping these separate allows insurance companies to price them accordingly, with higher premiums for bigger risks.<\/p>\n\n\n\n<p>Knowing this will help you understand why it costs more to cover tech gaps.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-coverage-gaps-should-worry-you\">Why Coverage Gaps Should Worry You<\/h2>\n\n\n\n<p>You might think something won\u2019t happen to you, but even startups experience mistakes, accidents, and losses. This is why having the proper insurance is imperative.<\/p>\n\n\n\n<p>These facts will have you scrambling to get more insurance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One uncovered single claim, which can cost thousands of dollars, can cause a small business to close up permanently.<\/li>\n\n\n\n<li>Many clients require proof of tech-related coverage. Not having this insurance could result in lost business.<\/li>\n\n\n\n<li>Having more than just general liability makes you look more reliable and professional in your field.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-case-friendly-example\">A Case-Friendly Example<\/h2>\n\n\n\n<p>A while back, I was advising a software company. One day, a product they deployed for a hospital failed shortly after it went live. While the physical equipment was still in one piece, no other property damage occurred, and nobody was hurt as a result of the failure, the hospital wasn\u2019t able to access its appointment system for a few days.<\/p>\n\n\n\n<p>In response, the hospital demanded hundreds of thousands of dollars for remediation of the situation and reimbursement for lost revenue.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.businessinsuranceusa.com\/technology-company-commercial-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">software company had general liability<\/a> insurance. However, because no property damage or injury resulted in this scenario, their claim was denied.<\/p>\n\n\n\n<p>The software business had to pay completely out of pocket since it lacked Tech E&amp;O.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-five-key-takeaways\">Five Key Takeaways<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Tech failures and other errors aren\u2019t covered under general liability insurance unless third-party injury or property damage occurred.<\/li>\n\n\n\n<li>Are you involved in providing services or consulting that is tech-related? In this case, you require coverage that goes beyond a general liability policy.<\/li>\n\n\n\n<li>Tech-related risks can be covered by Tech Errors and Omissions (Tech E&amp;O) or Professional Liability Insurance.<\/li>\n\n\n\n<li>Your policies should cover what your business actually offers, without any gaps or misunderstandings on your part.<\/li>\n\n\n\n<li>Being insured is more than protecting your business financially in dire events. It\u2019s also a way to ease stress and helps provide a chance to expand the business, which increases your authority too.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bridge-the-gap-before-it-s-too-late\">Bridge the Gap Before It\u2019s Too Late<\/h2>\n\n\n\n<p>At <a href=\"https:\/\/www.businessinsuranceusa.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">USA Business Insurance<\/a>, we\u2019ve seen what business owners across all industries have to deal with. They might assume their general liability insurance will back them up, but oftentimes, there are heavy exclusions. Not having the applicable insurance on hand could lead to thousands of dollars that they have to pay out of pocket.<\/p>\n\n\n\n<p>Whether you run a tech company with unique risks or simply want to make sure you\u2019re well-insured, we can help you decide how to best extend your protection beyond general liability. This way, you can worry less about mistakes and focus more on the operation of your business.<\/p>\n\n\n\n<p>From coast to coast, I\u2019m here to help you out. <a href=\"https:\/\/www.businessinsuranceusa.com\/contact-business-insurance-usa\" target=\"_blank\" rel=\"noreferrer noopener\">Contact us<\/a> to fill in your business\u2019s coverage gaps today.<\/p>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links yoast-seo-related-links\">\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/insurance-gap-coverage-small-business\/\">Plug the Gaps in Coverage with these 4 Insurance Types<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/why-companies-need-general-liability-insurance\/\">Why Companies Need General Liability Insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/business-insurance-tech-start-ups-its-necessity\/\">Business Insurance for Tech Start-ups: Why It\u2019s a Necessity<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/the-critical-role-of-contractor-errors-and-omissions-insurance-safeguarding-against-unseen-risks\/\">The Critical Role of Contractor Errors and Omissions Insurance: Safeguarding Against Unseen Risks<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many small businesses today are underinsured. Yes, this might even include your business. Perhaps you&#8230;<\/p>\n","protected":false},"author":11,"featured_media":10234,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[718,728],"tags":[150,219],"class_list":{"0":"post-10223","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-commercial-general-liability","8":"category-errors-and-omissions-insurance","9":"tag-errors-and-omissions-insurance","10":"tag-general-liability-insurance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>General Liability Won\u2019t Cover Tech Errors and What to Do Instead<\/title>\n<meta name=\"description\" content=\"Why your general liability won\u2019t cover tech mistakes\u2014learn how to bridge the gap with the right professional liability coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/why-tech-errors-not-covered-general-liability\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"General Liability Won\u2019t Cover Tech Errors and What to Do Instead\" \/>\n<meta property=\"og:description\" content=\"Why your general liability won\u2019t cover tech mistakes\u2014learn how to bridge the gap with the right professional liability coverage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/why-tech-errors-not-covered-general-liability\/\" \/>\n<meta property=\"og:site_name\" content=\"USA Business Insurance Services, Inc\" \/>\n<meta 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content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/why-tech-errors-not-covered-general-liability\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/why-tech-errors-not-covered-general-liability\\\/\"},\"author\":{\"name\":\"Maddy Heeszel\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/2a0d8359179babd2ad799c4daf2a0963\"},\"headline\":\"General Liability Won\u2019t Cover Tech Errors and What to Do 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Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/2a0d8359179babd2ad799c4daf2a0963\",\"name\":\"Maddy 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