Don't you think that if it was as big an issue as you make it everybody would have coverage and my insurance agent would recommend it?
Truth is insurance carriers aren't real happy to provide E&O coverage for piddly stuff like programming errors or service interruptions that a customer may make a big deal out of, especially if they know the vendor has E&O coverage and they stand to collect. Disputes like that happen all too frequently and are typical of what we can expect in this business. Far better to put it in your contract then tell them where to go.
-Hal
