AIG vs Vouch: Technology E&O Insurance

Vouch is a broker for tech companies in AI, SaaS, fintech and hardware, from first customer contract through IPO, with an online Get Started flow; AIG markets Technology Services E&O to technology service providers.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

Areas of coverage

AIG

  • role: AIG markets Technology Services E&O as coverage for technology service providers. AIG is the marketing name; its legal footer says products are written or provided by subsidiaries or affiliates and does not identify the issuer for an individual policy. AIG’s U.S. Professional Liability page’s distinct Technology Services description. This is not a named policy form or issuer assignment.company-reportedSource ↗
  • eligibility: AIG identifies technology service providers as the target audience for this offering. It does not publish a complete eligible-occupation list or state-by-state appetite on the reviewed page. Target audience stated in AIG’s Technology Services section; applicant eligibility remains underwriting-specific.company-reportedSource ↗
  • coverage: AIG describes coverage for claims alleging errors or omissions in the performance of technology services, including third-party economic-loss allegations. The marketing description does not establish that a specific claim is covered; policy definitions, exclusions and conditions control. AIG’s marketing description of Technology Services E&O; no policy form or endorsement was reviewed.company-reportedSource ↗
  • services: AIG says its professional-liability claims team includes in-house professionals and third-party experts, collaborates with clients during claims, and uses claims data to help evaluate and mitigate loss. These are general company-reported professional-liability services, not a guaranteed outcome for a technology E&O claim. AIG Professional Liability page claims description; technology-specific service standards are not stated.company-reportedSource ↗
  • limits: The reviewed page does not state standard limits, retentions or deductibles for Technology Services E&O. Confirm them in the quote and issued policy. AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed.not-disclosedSource ↗

Vouch

  • role: Vouch is a broker, not an insurer, for tech E&O. It lists Tech Errors & Omissions among the core coverages it places for technology clients. Vouch's Technology practice page.company-reportedSource ↗
  • insurer: Neither the Technology page nor the tech E&O blog post names the insurer that underwrites Vouch's tech E&O placements. Pages checked on 2026-09-23.not-disclosedSource ↗Source ↗
  • eligibility: Vouch markets tech E&O to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, saying it works with clients from their first customer contract through IPO. Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant.company-reportedSource ↗
  • coverage: Vouch's educational article says tech E&O covers claims arising from service errors or failures, professional negligence, missed deliverables or deadlines, breach of contract or warranty, accidental intellectual-property infringement, and third-party data-breach liability tied to a vulnerability in the company's product, plus legal defense, settlements and judgments. It excludes bodily injury or property damage (covered by general liability), intentional wrongdoing, criminal acts, employment claims and cyber incidents affecting the policyholder's own systems. Blog article dated October 20, 2025, describing tech E&O generally; the buyer's actual policy form and exclusions govern any specific placement.company-reportedSource ↗
  • limits: Neither page publishes tech E&O policy limits or retentions; the blog says the amount of coverage a company chooses affects the cost of the policy without naming a range. Pages checked on 2026-09-23.not-disclosedSource ↗
  • application: Vouch's site routes prospective buyers to its online "Get Started" application flow rather than a phone-only or paper process. Vouch Technology page navigation.company-reportedSource ↗

What Are the Key Differences Between AIG and Vouch Tech E&O Insurance?

Policy scope and buyer fit

AIG describes Technology Services E&O for performance errors and omissions, including third-party economic-loss allegations. Vouch’s educational coverage list includes missed deadlines, contract or warranty breach, accidental IP infringement, and third-party data-breach liability tied to a product vulnerability, while excluding attacks on the insured’s own systems. Buyers should separate a client claim from a first-party cyber incident when reviewing terms. [2] [10]

Services and placement

Vouch brokers coverage for technology businesses from first contracts through IPO and routes prospects through an online Get Started flow. AIG describes the target audience but no comparable digital application path. Confirm Vouch’s proposed carrier and AIG’s submitting channel before comparing turnaround. [2] [10]

What Should You Confirm in AIG and Vouch Tech E&O Insurance Quotes?

  • Ask AIG for the precise coverage language and eligibility terms for your operation. [2]
  • Ask Vouch Technology to confirm how its cited limits, exclusions, or services apply to the proposed policy. [10]

Vouch is a broker with an online application flow; AIG identifies Technology Services E&O but does not state its quote route.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    Professional Liability Insurance

    AIG US · Technology Services description, lines 335–339; claims expertise lines 273–279; broker contact lines 385–389; legal footer policy-language caveat lines 485–489. · accessed 2026-09-30

  3. 03
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  4. 04
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  5. 05
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  6. 06
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  7. 07
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  8. 08
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

  9. 09
    Insurance for Technology Companies

    Vouch · Core coverages for Technology: Tech Errors & Omissions...; Blog: What Does Tech Errors & Omissions Insurance Cover? "Technology Errors & Omissions Insurance protects companies from client claims over software bugs, system failures, or service mistakes." · accessed 2026-09-23

  10. 10
    What Does Tech Errors & Omissions Insurance Cover?

    Vouch · October 20, 2025; What Tech E&O Insurance Covers: Service Errors or Failures, Professional Negligence, Missed Deliverables or Deadlines, Breach of Contract or Warranty, Accidental Intellectual Property Infringement, Third-Party Data Breach Liability, Employee Errors or Misrepresentation, Legal Defense, Settlements, and Judgments; What Tech E&O Insurance Doesn't Cover; How Tech E&O and Cyber Coverage Work Together · accessed 2026-09-23

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