Software Developer / Programmer Insurance

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Software Development
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Why do software developers need business insurance?

A minor bug could be a huge liability if it affects your client's bottom line. Software developer insurance covers the cost of a lawsuit over a coding error, and can help your business recover from accidents and injuries.

Software developer working at a computer.
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Fast, easy, and affordable insurance for developers

Our fast online application helps you easily find and compare quotes from top-rated insurance providers.

Got questions? A licensed insurance agent will make sure you get coverage that matches your unique risks.

Which insurance policies do software developers and programmers need?

These policies cover the most common risks faced by software developers.

Errors and omissions insurance icon

Technology errors and omissions insurance

Technology E&O, also called professional liability insurance, covers legal defense costs if a computer programmer makes a mistake. You can often add intellectual property and media liability coverage.

  • Substandard or late work
  • Errors in software code
  • Mistake that leads to client data breach
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Cyber insurance

This policy helps software developers survive data breaches and cyberattacks by helping to pay for recovery expenses, notification of affected clients, and other financial losses.

  • Data recovery
  • Client notification expenses
  • Fraud monitoring costs
Fidelity bond icon

Fidelity bonds

This policy reimburses clients for theft by employees working for a software development company. It's also called an employee dishonesty bond.

  • Unlawful data access by an employee
  • Illegal funds transfer by an employee
  • Other employee theft or fraud
General liability insurance icon

General liability insurance

This type of insurance covers basic risks, such as accidental damage to a client’s computer. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).

  • Client property damage
  • Client bodily injuries
  • Copyright infringement and other advertising injuries
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for software development businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers property damage, medical costs, and legal expenses in an accident involving a company vehicle. Most states require it for business-owned vehicles.

  • Auto accidents
  • Vehicle theft
  • Vandalism and other vehicle damage
Looking for different coverage? See more policies.

How E&O insurance protects your business

View video transcript.

No, no, no! My client's network was working just fine last week!

You made a mistake, yeah, you made a mistake. You made a mistake, and it doesn't matter what you say. You missed the boat, now you will have to pay!

Actually, you have errors and omissions insurance. It covers legal costs if you make a mistake and your client sues you.

Mistake! Mistake! Ohhh, this was a mistake! Mistake! Mistake! Ohhh, this was a mistake!

You can get all the coverage your business needs by following this link. Protection is peace of mind!

How much does insurance cost for technology companies?

IT business owner makes calculations on a tablet.

A small startup with a few employees will pay less for insurance than a large tech company.

Factors that affect premiums include:

  • Services offered, such as application development
  • Business property and equipment
  • Business income
  • Types of small business insurance purchased
  • Policy limits and deductibles
View Costs

How do I get software developer insurance?

It's easy to get software development business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. providers to find insurance coverage that fits your software development business, whether you work independently or hire employees.

What our customers are saying
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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