Software Developer Insurance
Software developers build products that businesses depend on — and when code fails, clients suffer financial losses. Tech E&O protects you when your software causes downtime, data loss, or financial harm to a client.
Essential Developer Coverages
Technology E&O (Professional Liability)
Covers claims that your software caused financial harm — bugs that crash systems, data loss from code errors, missed delivery deadlines, and failure to meet specifications.
Cyber Liability
Covers data breaches in your development environment, compromised code repositories, and client data exposed through vulnerabilities in your software.
General Liability
Covers injuries at your office and client sites, needed for co-working spaces and client meetings.
Common Software Developer Claims
- Bug in production code causes client system outage and revenue loss
- Data migration error destroys client records
- Software vulnerability leads to client data breach
- Missed delivery deadline causes client to lose a contract
- Application fails to meet contracted specifications
- Third-party API integration fails and exposes client data
Who Needs Developer Insurance?
- Freelance developers working on client projects
- Development agencies building custom software
- SaaS companies selling software products
- DevOps / infrastructure teams managing client systems
- Subcontractors working under larger tech firms
How Much Does Developer Insurance Cost?
Freelance developers typically pay $500–$2,000/year for tech E&O + GL. Small dev agencies pay $2,000–$6,000 depending on revenue and client base. SaaS companies with many users pay more.
