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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.
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.
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.
BEST FOR
- Substandard or late work
- Errors in software code
- Mistake that leads to client data breach
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.
BEST FOR
- Data recovery
- Client notification expenses
- Fraud monitoring costs
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).
BEST FOR
- Client property damage
- Client bodily injuries
- Copyright infringement and other advertising injuries
Fidelity bonds
This policy reimburses clients for theft by employees working for a software development company. It's also called an employee dishonesty bond.
BEST FOR
- Unlawful data access by an employee
- Illegal funds transfer by an employee
- Other employee theft or fraud
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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
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.
BEST FOR
- Auto accidents
- Vehicle theft
- Vandalism and other vehicle damage
Looking for different coverage? See more policies.
How much does insurance cost for software developers?
A software developer who works independently will pay less for insurance than a startup with several employees.
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
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 software developer insurance?
As a software engineer or developer, it's easy to get 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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 as an independent contractor or hire employees.
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