IntroductionIn today’s knowledge-driven economy, research partnerships and collaborations are essential for driving innovation, competitiveness, and sustainable growth. Companies increasingly engage with universities, research institutions, startups, and even competitors to accelerate breakthroughs in technology and product development. However,

Technology Errors and Omissions (Tech E&O) insurance is an essential safeguard for technology companies, IT service providers, and software developers. With the increasing reliance on digital infrastructure, businesses are exposed to risks arising from software failures, system outages, cybersecurity breaches, and professional errors. Tech E&am