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App Developer Insurance
Smartphone / Mobile Phone / Tablet Application Development
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Why do app developers need insurance?
If a bug in your Android or iOS app causes a client to lose money, it could lead to a lawsuit. Mobile app developer insurance protects against legal costs over errors in code, missed deadlines, and other accidents.
Find the right coverage
Insureon helps application developers find small business insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right coverage for your app development company.
What types of insurance do mobile app developers need?
These insurance policies cover the most common risks of app development.
Technology errors and omissions insurance
Technology E&O, also called professional liability insurance, can cover lawsuits related to the quality of your work, such as a bug in a new app. You can often add intellectual property and media liability coverage.
BEST FOR
- Late release of a mobile app
- Failure to meet specifications
- Accusations of negligence
Cyber insurance
This policy covers financial losses caused by data breaches and cyberattacks. It's recommended for any app development business that handles sensitive information.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
General liability insurance
This policy covers risks that can affect any app developer, such as a client injury in your office. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Customer bodily injuries
- Customer property damage
- Copyright infringement claims
Fidelity bonds
This bond, also called an employee dishonesty bond, provides clients with reimbursement for employee theft. It may be required by client contracts.
BEST FOR
- Illegal funds transfer by an employee
- Employee theft
- Employee fraud
Workers’ compensation insurance
Most states require workers' comp for app development companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Commercial auto insurance
Commercial auto insurance covers property damage and medical bills in accidents involving business vehicles. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Looking for different coverage? See more policies.
How much does app developer business insurance cost?
A mobile app developer who works independently will pay less for insurance than a larger company.
Factors that affect premiums include:
- Services offered
- Business property and equipment
- Business revenue
- Types of insurance coverage purchased
- Policy limits and deductibles
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 do I get app developer insurance?
It's easy to get app developer business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your business, 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find coverage that fits your mobile app business, whether you work independently or hire employees.
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