Will the Applicant have an active Tech E&O / Professional Indemnity policy concurrent with this insurance?
Cyber and technology errors and omissions cover adjacent risks. The gap between them is where uninsured claims live.
What the carrier is actually asking
The carrier is asking whether you will carry technology errors and omissions or professional indemnity cover alongside this policy, and sometimes with which insurer and at what limit.
Why it is underwritten
A single event often generates both kinds of claim: a breach of your platform is a cyber event and a service failure your clients will sue over. When both covers sit with one carrier, the response is coordinated. When they sit with different carriers, each may argue the other should respond, and the insured funds the argument.
Where the answer lives in Microsoft 365, Entra ID, and Azure
This is an insurance disclosure and it should be accurate as to insurer, limit, and period.
| Platform | Where the setting lives | What has to be true |
|---|---|---|
| Policy documents | Current errors and omissions or professional indemnity policy | Insurer, limit, retention, and period. Attested |
| Coverage analysis | How the two policies interact | Whether one is excess of the other, and whether definitions align |
| Gaps | Claims that could fall between them | Service failure caused by a security event, which is the classic overlap |
| Timing | Whether periods align | Coterminous policies, since mismatched periods create retroactive date problems |
| Retroactive dates | Retroactive coverage on the claims-made policy | Continuity maintained, since a lost retroactive date removes cover for past work |
Professional liability policies are claims-made with a retroactive date. Switching insurers can reset it and remove cover for work performed before the change. It is the most commonly overlooked term in a renewal that otherwise looks like an improvement.
What a defensible yes requires
- The cover is in place with insurer, limit, and period stated.
- The interaction between the two policies is understood.
- Periods align so no gap opens.
- Retroactive dates are preserved through any insurer change.
- Definitions have been compared for overlap and gap.
How this answer goes wrong
Both policies exist with different insurers and neither has been read against the other. A claim alleging both a breach and a service failure produces two carriers each pointing at the other, and the insured funds the defence while that is resolved.
Frequently asked
Do we need both?
If you provide technology services to clients, almost certainly. Cyber covers your data and your outage; errors and omissions covers your clients claims against you.
Should they be with the same carrier?
It simplifies claims handling considerably and it is not always available or best priced. If they are separate, have someone compare the wordings.
What is the most common gap?
A security failure that causes client loss. Cyber may treat it as a liability matter and errors and omissions may treat it as a cyber matter.
Does the limit need to match?
Not necessarily, and each should be sized to its own exposure. Client contracts often dictate the errors and omissions limit.
Related questions
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