Technology E&O was created to fill the "gaps" excluded by a traditional General Liability policy which applies mainly to Bodily Injury and Property Damage types of liability.  Technology E&O picks up the following type of causes of loss to third parties due to negligence in the rendering of professional services:

 

   Failure to Perform or "it just doesn't work"

   Damage to Data/Intangible Property

   Breach of Contract

   Financial Injury

 

Technology E&O can also be expanded to include:

 

   Security or System Attack

 

      - including Failure to Prevent: Denial or Disruption of Service; Unauthorized Access; Introduction of Malicious Code.

   Intellectual Property or Content

 

      - Infringment of title, trademark service mark, copyright, plagiarism, misuse of IP rights in content in the foregoing

   Personal Injury

 

      - Defamation, or Disparagement including libel, slander or product or service disparagement

      - Invasion, Infringement or Interference with rights of privacy.