Technology E&O Insurance
Technology errors & omissions (tech E&O) is the foundation coverage for blockchain and web3 firms. It responds when your software, protocol, or technology service fails or contains an error that causes a client or user financial loss — and typically bundles cyber liability.
Technology E&O for Blockchain & Web3 Companies
Technology E&O is the core policy for any company building on-chain. It responds to claims that your code, protocol, or technology service was defective, failed to perform, or caused a financial loss — the everyday professional-and-technology exposure of shipping software in a high-stakes industry. For web3 firms it's usually written to combine professional liability for your tech work with cyber liability for breaches and infrastructure attacks.
The web3-specific claims are sharper than in ordinary software: a flaw in a delivered protocol that costs users funds, a failed integration that breaks a client's dApp, a bridge or oracle component that behaves incorrectly, or a security gap in software you built that leads to a loss. Tech E&O responds to both the professional mistake and the security event that so often follows it.
The Digital-Asset Challenge
Standard technology E&O policies frequently exclude digital assets and crypto operations entirely. Placing real coverage for a blockchain company requires specialty markets — often Lloyd's of London syndicates and a handful of crypto-native carriers — that understand smart contracts, custody, and token mechanics. We place your tech E&O with markets that won't deny a claim simply because crypto was involved, and we coordinate it with smart-contract and crime/custody coverage so the gaps are closed.
What's Covered
Frequently Asked Questions
Usually not in full. Most standard tech E&O forms exclude digital assets and crypto operations. Blockchain firms need coverage placed through specialty and Lloyd's markets that understand web3 — otherwise a crypto-related claim is likely to be denied under a digital-asset exclusion.
Technology claims often surface long after the work was delivered. A claims-made policy covers claims reported while the policy is active, for work after your retroactive date. We manage your retroactive date and tail coverage so prior protocol and development work stays protected.