Professionals Insurance

Software Developer Insurance

Coverage shaped around the code, deadlines, and client deliverables of software development.

What this coverage is intended to address

✓Allegations that a bug, defect, or missed requirement in your software caused a client a loss — addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
✓General liability for third-party bodily injury or property damage, such as at a client site during an integration
✓Claims that a missed deadline or incomplete deliverable disrupted a client's business
✓Defense costs that may arise from a dispute over your work product, in the event of a covered claim

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most software developer operations consider one or more of these coverage types:

Professional Liability / Errors & Omissions (E&O)

General Liability

Cyber Liability

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A client alleges that a defect in delivered software caused order-processing errors and lost revenue — professional liability / E&O is intended to respond in the event of a covered claim.
While working on-site at a client's office, a developer spills a drink onto client hardware and damages it. General liability may help respond to a property-damage allegation of this nature.

Frequently asked questions

What insurance do software developers typically carry?

Many carry professional liability insurance, also called Errors & Omissions (E&O) insurance, because the core risk is an allegation that a defect or error in their work harmed a client. General liability is often added for on-site exposures.

Does E&O respond to allegations of a software bug?

Allegations that a defect or error in your code caused a client loss are the type of claim professional liability / E&O is generally intended to respond to in the event of a covered claim. Specific terms vary by carrier.

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