WHINS Insurance Agency
Technology E&O vs Cyber Insurance in California
Technology E&O and cyber insurance are often requested together, but they are not the same coverage. California tech firms should understand the difference before responding to a vendor contract or client onboarding packet.
Technology E&O addresses service or product failure allegations
Technology E&O generally focuses on allegations that a technology service, software product, implementation, recommendation, or deliverable caused financial harm to a client.
Cyber focuses on data and network events
Cyber insurance generally focuses on data, privacy, network-security, breach response, notification, and related incident costs.
Why contracts often ask for both
Enterprise customers may want both because a single incident can create both a service-failure dispute and a cyber event. The actual response depends on the facts, forms, endorsements, and exclusions.
What to send WHINS
Send the contract insurance section, revenue, services provided, data handled, employee count, and current policies if available.
Next Step
For the main campaign page, see Technology E&O Insurance for California Small Businesses.
Start the Technology E&O application
Coverage is subject to the terms, conditions, exclusions, and endorsements of the issued policy. Summaries or discussions of coverage are provided for general reference only and do not amend, extend, or alter the actual policy language. Binding or changes to coverage are effective only when confirmed in writing by the issuing insurer or an authorized representative of WHINS Insurance Agency.
