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Business Insurance for Software Developers

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Why do software developers and programmers need insurance?

Even the most skilled software developers aren't immune to risk. Insurance protects you against client lawsuits, cyberattacks and data breaches, medical expenses from injuries, and other bills that could sink your business.
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Get the right coverage quickly

TechInsurance helps software developers and programmers compare quotes from top U.S. providers with one easy online application.

6 policies every software developer should consider

Clients, landlords, or state laws may require software developers to get insured. Business insurance could prevent financial losses in the event of an injury, property damage, lawsuit, or data breach.

General liability insurance

General liability insurance icon

This policy protects you from basic risks that most small businesses face. It's often required by client contracts and commercial leases.

BEST FOR
  • Accidental client injuries
  • Accidental damage to client property
  • Libel, defamation, and copyright lawsuits

Business owner’s policy (BOP)

Business owner’s policy icon

Many insurance providers offer software developers a discount if they choose a business owner's policy. A BOP bundles general liability insurance with commercial property insurance.

BEST FOR
  • Accidental client injuries
  • Accidental damage to client property
  • Damaged business property, including laptops

Errors and omissions insurance (E&O)

Errors and omissions insurance icon

This option protects against lawsuits over mistakes or oversights made by a software developer, engineer, or programmer. You may also see E&O coverage referred to as professional liability insurance.

BEST FOR
  • Software that doesn’t meet requirements
  • Failure to deliver software by a deadline
  • Errors in code

Cyber liability insurance

Cyber liability insurance icon

This policy covers the cost of recovering from a data breach or cyberattack. It can also protect your business against lawsuits from clients affected by a breach.

BEST FOR
  • Lawsuits from clients affected by a breach
  • Notifying affected clients about a breach
  • Fraud detection and monitoring

Fidelity bonds

Fidelity bond icon

A fidelity bond protects your business when a client accuses one of your employees of theft. It’s also called an employee dishonesty bond.

BEST FOR
  • Unlawful data access by your employee
  • Illegal electronic funds transfer by your employee
  • Other employee theft or fraud

Workers’ compensation

General liability insurance icon

State law usually requires software development businesses that have employees to purchase this policy. It helps pay medical costs from work-related injuries and illnesses.

BEST FOR
  • Medical bills from employee work injuries
  • Partial wages while employee recovers
  • Lawsuits over work injuries

Looking for different coverage? Check out our other policies.

Insurance costs for tech professionals

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Median costs come directly from policies purchased by TechInsurance customers.

General liability: $28 per month
Errors and omissions: $61 per month
View more sample costs.

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Why software developers choose TechInsurance

Protect against common risks

A lawsuit or data breach can devastate a small software development company. Prevent financial losses with policies tailored for your needs.

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