Technology Errors & Omissions Insurance 101

Learn how to make this insurance work for you. Understand the fundamentals of Technology Errors & Omissions Insurance, including privacy and network security exposures and the different coverage options for technology product and service providers. Learn where and how it fits into a larger insurance program. 


What You Will Learn

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What is covered and not covered under a stand-alone Tech E&O insurance policy, including key differences in coverage between policies offered by different insurance companies
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Privacy and network security exposures faced by technology companies today, and why cyber and media liability insurance is critical for technology providers.
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Risk Mitigation

Risk mitigation and contract management, and why this is critical for technology companies.
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Policy Analysis

The critical differences among Technology E&O policies, and critical policy wording language that every buyer should understand.

Learning Objectives

Upon completing this course you’ll be equipped to:

  1. Describe what Technology E&O insurance is, why it is important and who needs it;
  2. Identify privacy and network security exposures faced by technology companies;
  3. Illustrate what a Technology E&O insurance program looks like;
  4. Explain the structure of a Technology E&O insurance policy;
  5. Summarize key risk mitigation and policy considerations.

Course Curriculum

  • Welcome Message from Instructor
  • Course Introduction and Objectives
  • Chapter Introduction & Objectives
  • What is Liability Insurance?
  • Commercial General Liability
  • The Basics of E&O Insurance
  • Technology E&O Insurance
  • Exclusions under a CGL: the need for Technology E&O insurance
  • Tech E&O and CGL: not a perfect match
  • Example of Financial Loss vs. Property Damage
  • Cyber within Tech E&O
  • Quiz #1: What is Tech E&O?
  • Introduction & Objectives
  • A technology user vs. a technology provider
  • Technology user vs. a technology provider?
  • Examples of technology companies
  • Emerging Technologies: Insurance Implications
  • Quiz #2: Who needs Tech E&O Insurance?
  • Introduction & Objectives
  • What are cyber exposures?
  • Who is at risk for cyber exposure?
  • Technology and Privacy – Who is responsible?
  • What causes a privacy and network security breach?
  • Network security breach – an example
  • Quiz #3: Cyber, Privacy and Network Security
  • Introduction & Objectives
  • What are First Party & Third Party Coverages?
  • Understanding Insuring Agreements
  • Common Liability Insuring Agreements
  • Wrongful Act, Claim and Loss
  • Media Liability & Intellectual Property Coverage
  • First Party Coverage
  • First & Third Party – A claim example
  • Part 2: First Party & Third Party – A claim example
  • More Claims Examples
  • Quiz #4: The Tech E&O Policy
  • Introduction & Objectives
  • Contract Basics
  • Critical Elements of a Contract
  • Breach of Contract
  • Evaluating Risk
  • Important Policy Considerations
  • Claim Reporting Requirements
  • Common Exclusions
  • Limits and Sub-limits
  • Quiz #5: Risk Mitigation & Important Policy Considerations
  • Course Wrap Up
  • Course Survey
  • Technology Errors & Omissions Insurance 101 Final Assessment

About ITC courses

ITC takes pride in delivering high quality, unbiased courses on professional and management liability insurance and related topics. Designed specifically for online delivery, our courses are interactive, include activities and quizzes, use practical illustrations and real-life case studies and deliver knowledge in bite-sized portions so even just 5 minutes is  learning time well spent.

How we build courses

ITC courses are the product of a collaborative approach. We work closely with subject matter experts to build out course content, the ITC design team brings that content to life, and no course is published before undergoing an intense review by an industry panel. Our process also includes post-publication reviews and updates because ITC is committed to delivering quality courses that remain accurate, relevant and up-to-date, long after they are first published. 


Chief Operating Officer, Energy Company

ITC’s D&O and EPLI courses helped me understand the insurance proposals we receive AND to explain to my executive team and board members the risks we can (and cannot) manage through insurance.

David Marsh, Partner, Broker

Most insurance courses are either pitched at people learning about the subject for the first time or jump straight into advanced topics. The ITC courses do a great job for all learners and I particularly liked the online format since you can either spend time starting from the beginning or quickly move on to the areas of most interest to you. The course material also went beyond insurance policy language – addressing risk management, claims processes, what buyers should consider, and more.

Broker, Australia

ITC effectively tackles complex subject matters in a very creative manner. I would highly recommend to anyone looking to broaden their understanding.

Broker, Canada

Great way to enjoy an evolving subject matter. Thank you ITC, enjoyed that!

Manager, SVP, Canada

I’ve been in the insurance industry for over 20 years and this is by far the best educational material I have seen! Great for new and established professionals!

Account Executive/SVP, Canada

ITC Education is the perfect platform for busy insurance professionals to expand their knowledge in bite-size, manageable, easy & informative modules. The subject matter is well researched and presented in an engaging and easy-to-understand format. The modules are set up so that you can zero in on a subset or explore the topic more fully – time permitting. The examples are easily applied to real-life situations.


Frequently Asked Questions

With ITC, you can take any course at any time. For the best learning experience, a prerequisite may be recommended in the course description.

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