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What does software developer insurance cover?

Software developer insurance helps protect front-end software engineers, QA engineers, data engineers, and other software developers from the cost of everyday risks related to designing software and apps. Risks may include: 

  • Errors, mistakes, or omissions in your code 
  • Failure to deliver services or missed deadlines 
  • Third-party property damage 
  • Damage to your laptops, hard drives, and other computing equipment 
  • Workplace injuries or serious illnesses 

Software developers can get instant coverage in minutes with BizInsure. We offer a range of insurance options to suit different sized businesses, from independent videogame designers to growing software development companies. 

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insurance for software developer

Why do software developers and programmers need insurance?

Software developers may need insurance to work with specific clients, as well as protect their finances, business assets, and staff. 

The technology industry is evolving at an unprecedented pace. This makes the probability of mistakes, or perceived mistakes, regarding the work you do more possible than ever. Insurance helps software developers cover the cost of claims, lawsuits, and compensation related to their work and the services they provide. 

What types of insurance do software developers need?

BizInsure delivers tailored insurance coverage for software developers and programmers, that can cover negligence and third-party claims arising from software failures, security vulnerabilities, or scope disputes.

General Liability

General Liability insurance

General Liability Insurance covers your business if a third-party is injured, or their property is damaged, a of your business activities or services. It covers legal fees and compensation costs.

Coverage: Up to $1 million per occurrence / $3 million in the aggregate.

General Liability
Business Interruption insurance

Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) is a convenient package that combines General Liability with coverage for your business property, inventory and/or your building.

Business Owners Policy
PL insurance

Professional Liability insurance

Professional Liability insurance, also known as Errors & Omissions insurance protects you against claims of negligence, misrepresentation or mistake, resulting in financial loss to a third party. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.

Professional Liability nurses
Workers comp

Workers Compensation Insurance

Workers Compensation Insurance protects your business and your employees in the event of a work-related illness or injury. This includes costs for medical care, replacement of lost wages, funeral costs and disability support.

Workers Comp insurance

Fast, simple, and convenient

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How much does insurance for programmers and software developers cost?

General Liability insurance for software developers starts at $28.86 per month and Professional Liability coverage costs from $33.21 per month.

    Cost factors
    software developer insurance cost

    Factors influencing cost

    • Risks of the industry 
    • Coverage level amount
    • Annual turnover
    • Number of employees
    • Claims history

    The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

    Levels of coverage

    Get flexible coverage to match your needs

    Customizable coverage levels to suit your unique business risks.

    Professional Liability insurance

    Coverage levels to choose

    • Up to $1 million per occurrence
    • Up to $3 million in the aggregate

    General Liability insurance

    Coverage levels to choose

    • $1 million per occurrence
    • $3 million in the aggregate

    Unsure how much to choose? Think about:

    • Statutory Profession Requirements
    • Coverage required by contracts
    • Number of employees being covered
    • Your contract value
    • Worst case scenario claim size
    Cost factors
    software developer insurance cost

    Factors influencing cost

    • Risks of the industry 
    • Coverage level amount
    • Annual turnover
    • Number of employees
    • Claims history

    The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

    Levels of coverage

    Get flexible coverage to match your needs

    Customizable coverage levels to suit your unique business risks.

    Professional Liability insurance

    Coverage levels to choose

    • Up to $1 million per occurrence
    • Up to $3 million in the aggregate

    General Liability insurance

    Coverage levels to choose

    • $1 million per occurrence
    • $3 million in the aggregate

    Unsure how much to choose? Think about:

    • Statutory professional requirements
    • Coverage required by contracts
    • Number of employees being covered
    • Your contract value
    • Worst case scenario claim size

    Frequently asked questions

    What is the difference between “per occurrence” and “aggregate” liability limits?

    Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
    Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.

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