--- title: "Technology errors and omissions | CARMA" description: "Technology errors and omissions insurance may be relevant when software, data, professional services, or technology failures can create a client's..." canonical: "https://www.carma365.com/cannabis-insurance/technology-errors-omissions/" --- Insurance by coverage # Technology errors and omissions for cannabis businesses Technology errors and omissions insurance may be relevant when software, data, professional services, or technology failures can create a client's financial loss. The review should connect the promised service to the way a failure could affect a customer. Prepared by [CARMA Insurance](/about/) Reading time 1 min read Content updated August 12, 2026 Carma Insurance LLC [Business entity NPN 21134854](/licensing-disclosures/) Related CARMA expertise [Zimraan Shikari, Director, Underwriting](/experts/zimraan-shikari/) [How we publish guidance](/editorial-standards/) [Discuss a technology account](https://broker-forms-sandbox.pages.dev/application)[Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[Speak with the CARMA team](/contact/) Coverage and availability depend on the account, state, insurer and underwriting review. General information and nonbinding indications do not bind insurance; the applicable binder, policy, endorsements and law govern coverage. Important insurance information This guide is general information and does not determine coverage or legal requirements for your business. Policy terms, exclusions, conditions and available options vary. Contact the appropriate licensed insurance representative about your account, request confirmation of any coverage placed, and review the applicable insurance documents. An application, inquiry or nonbinding indication does not by itself bind or change insurance. Account brief ## What to clarify before discussing this account **Clarify** What service or deliverable does each customer contract promise? **Confirm** Which vendor, platform, data, or infrastructure dependencies could interrupt that promise? **Prepare** Service descriptions, customer types, revenue breakdown, and sample contracts [Discuss a technology account](https://broker-forms-sandbox.pages.dev/application) On this page 5 sections On this page [Define the technology service and customer promise](#define-the-technology-service-and-customer-promise)[Show dependencies and failure controls](#show-dependencies-and-failure-controls)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## Define the technology service and customer promise Describe the software, platform, data, implementation, support, or consulting service provided. Identify customers, revenue by service, contracts, acceptance procedures, and any service-level commitments. ## Show dependencies and failure controls Explain third-party software and infrastructure, change management, quality assurance, backups, access controls, customer data, incident response, and prior service problems. Note where contracts limit or expand responsibility. ## Technology questions to resolve before submission - What service or deliverable does each customer contract promise? - Which vendor, platform, data, or infrastructure dependencies could interrupt that promise? - How are changes, errors, security incidents, and customer complaints identified and corrected? ## What CARMA wants the submission to explain These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms. - Describe the software, platforms, integrations, data, implementation, support, and service commitments provided. - Explain customer contracts, acceptance, change control, security responsibilities, backups, and incident response. - Identify outages, errors, allegations, dependency failures, and technology services used by regulated businesses. ## Records for a technology E&O review - Service descriptions, customer types, revenue breakdown, and sample contracts - Software and vendor dependencies, quality controls, security practices, and incident procedures - Prior errors, customer disputes, cyber events, and current E&O or cyber coverage ## Can CARMA consider this account? CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement. Important insurance and legal information CARMA's website provides general information only. It is not insurance, legal, tax, regulatory, underwriting, safety, risk-management, or claims advice. Nothing on this site is a quote, binder, policy, coverage determination, legal opinion, or promise of eligibility, availability, pricing, terms, limits, or placement. Only an issued policy and its endorsements can provide coverage, and their actual terms, conditions, limitations, and exclusions control. Sending information, following a link, or speaking with CARMA does not bind coverage, change a policy, or create authority to act for an insurer unless an authorized party confirms that authority in writing. Do not rely on this website to report a claim, request a policy change, satisfy a notice requirement, or meet a deadline. Use the instructions in the applicable policy or written communication. Laws, licensing, appetite, carrier participation, and external sources can change, so confirm time-sensitive matters with CARMA, the controlling source, and qualified advisers. [Read the complete website disclaimer](/legal-disclaimer/). [Back to top](#main-content) Continue researching ## Put this subject in the context of the full account. Account-specific review ## Bring CARMA the account. Retail agents, wholesale brokers, and business owners can start with the details they have. [Discuss a technology account](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)