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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 can help pay for client lawsuits, cyberattacks and data breaches, medical expenses from accidents, and other bills that could sink your business.
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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.

Errors and omissions insurance (E&O)

Errors and omissions insurance icon

E&O insurance can help pay legal bills if a software developer is sued over a work mistake or oversight. It's sometimes called professional liability insurance.

BEST FOR
  • Software bugs
  • Missed deadlines
  • Programs that don't meet client requirements

Cyber liability insurance

Cyber liability insurance icon

This policy helps your software development firm recover after a data breach or cyberattack. It can also help pay for lawsuits from affected clients.

BEST FOR
  • Fraud detection and monitoring services
  • Client notification after a breach
  • Lawsuits from clients affected by a breach

Fidelity bonds

Fidelity bond icon

If a client accuses one of your developers of theft, this policy reimburses the client for the amount stolen. It's also called an employee dishonesty bond.

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

Business owner’s policy (BOP)

Business owner’s policy icon

A BOP bundles general liability and commercial property insurance. Software developers can usually get insurance coverage at a discount with this policy.

BEST FOR
  • Client injuries at your office
  • Accidental damage to client property
  • Lost or damaged business property

General liability insurance

General liability insurance icon

This policy protects your business from the most common liabilities faced by software development firms. It's often required in client contracts and commercial leases.

BEST FOR
  • Client injuries at your office
  • Accidental damage to client property
  • Libel, defamation, and copyright lawsuits

Workers’ compensation

Workers’ compensation insurance icon

If your business has employees, you'll probably need to purchase this policy to comply with state law. It covers medical costs from work injuries and illnesses.

BEST FOR
  • Medical bills from work injuries and illnesses
  • Partial wages while employees recover
  • 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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