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Technology E&O insurance cost calculator
Technology errors and omissions covers the claim your client makes when your product fails to do what you promised. Here is what it tends to cost in 2026.
Your business
Underwriters price the size of the loss a single unhappy client could create.
Estimated annual premium range
$2,100 to $4,350
Most carriers now bundle technology E&O with cyber on one form, so this range assumes a combined policy.
Read more about errors and omissions insurance cost for technology companies and startups.
| Line item | Range |
|---|---|
| Base premium for revenue and verticalB2B SaaS at $3,000,000 in annual revenue | $2,100 to $3,550 |
| Contract value load25,000 to 150,000 dollars per client | $0 to $0 |
| Claims and circumstance loadClean loss record | $0 to $0 |
| Limit load$1,000,000 aggregate limit | $0 to $0 |
| Policy fees and taxesBroker fee and surplus lines tax | $225 to $400 |
Assumptions behind this number
- Combined technology E&O and cyber form, which is how most carriers write this class in 2026.
- Retention of 10,000 to 25,000 dollars per claim.
- Contracts capped at a reasonable liability limit and no uncapped indemnity in the sample reviewed.
- No bodily injury or property damage exposure arising from the product.
How we estimate this
Technology E&O pricing follows revenue first, because revenue is a proxy for how many clients could sue you at once. On top of that, underwriters look at contract value, the type of work and whether your contracts cap liability.
The four questions an underwriter really asks
- How badly can your product fail? Payments, clinical decisions and trading systems attract the highest loads. A marketing analytics tool attracts the lowest.
- How large is the largest client? Concentration risk matters. If one client is 40 percent of revenue, that client is also 40 percent of the loss scenario.
- Do your contracts cap liability? Uncapped indemnity or an unqualified performance warranty can add 20 percent or more.
- Have you been sued? A single reported circumstance follows you across renewals for five years.
Where the data comes from
We benchmark against published rate filings, broker market reports for 2026 and anonymised quotes shared by buyers. The curve is refreshed quarterly.
What this is not
An estimate, not a quote. We take no commission and no sponsorship from brokers or carriers.