App Developer Insurance
Coverage for app developers — where a shipped bug can become a client claim.
What this coverage is intended to address
- ✓Allegations that a defect, missed requirement, or delivery failure caused a client a financial loss, addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
- ✓General liability for premises exposures, such as a client injured during an on-site meeting
- ✓Defense costs in the event of a covered claim relating to development work
- ✓Third-party property damage that may occur during business activities
Coverage products commonly considered
Most app developer operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Hypothetically, a client alleges that a bug in a shipped release caused downtime and lost revenue, and professional liability / E&O coverage is intended to respond in the event of a covered claim.
- Hypothetically, a client trips over a laptop charger during an on-site sprint review and is injured; general liability coverage may help respond to a bodily-injury claim of this kind.
Frequently asked questions
What is the main exposure for an app developer?
The central risk is an allegation that the software work caused a financial loss, such as a defect or missed specification. Professional liability insurance, also called Errors & Omissions (E&O) insurance, is intended to respond to such claims. General liability covers separate premises risks. Terms vary by carrier and state.
Do contracts often require this coverage?
Clients frequently ask developers to carry professional liability / E&O before signing. A licensed agent can help confirm that the limits and policy form line up with what a client agreement requires.
Get a App Developer insurance quote
Takes about 3 minutes. We'll route you to an instant-quote carrier when one fits.
Start my quote →