Errors &
Omissions (E&O)
Professional liability protection for technology companies, software providers, and AI service firms. When your professional advice, services, or software causes client losses, E&O coverage is your financial backstop.
The AI / Modern Angle
Traditional E&O policies were designed for human error — a consultant's bad advice or a developer's coding mistake. But when AI-powered software autonomously makes decisions that cause client losses, the liability landscape transforms fundamentally. An AI recommendation engine that triggers financial losses, a machine learning model that misclassifies medical images, or an automated system that corrupts data — these incidents blur the line between "error" and "product defect" in ways standard policies weren't built to handle. Our E&O coverage is specifically designed for the unique liability profile of AI-augmented professional services.
Core Coverage Points
Software & SaaS Failures
Coverage for claims arising from software bugs, system outages, data corruption, and SaaS platform failures that cause client financial losses.
AI Output Liability
Protection when AI-generated recommendations, predictions, or automated decisions cause downstream client harm or financial disruption.
Legal Defense Costs
Full coverage for legal defense, court costs, expert witnesses, and settlements arising from professional negligence claims.
Failure to Deliver
Claims protection for project delays, missed milestones, and failure to deliver contracted technology services on time or specification.
IP Infringement Defense
Coverage for intellectual property infringement claims, including those arising from AI-generated content and training data disputes.
Built for Tech,
Not Retrofitted
Our E&O policies are purpose-built for technology companies — not general professional liability forms with tech endorsements bolted on. We understand the difference between a SaaS outage and a consulting engagement gone wrong, and our coverage reflects that understanding.
From seed-stage startups to enterprise software firms, we structure coverage around your actual operations, client contracts, and service delivery model.
"When our AI-powered analytics platform generated a flawed report that cost a client $2M in trading losses, Ocean Falls covered our defense and settlement without argument."