What Insurance Does a Software Developer Need?
Software developers should consider Tech E&O for client losses from code or service failures, plus cyber and general liability for different exposures.
Software developers should consider technology E&O or professional liability for client claims involving code, integrations, updates, maintenance, hosting, or failed deliverables. Cyber insurance addresses security incidents, while general liability addresses separate premises or physical-injury exposures.
List custom development, licensed products, SaaS, open-source components, client data, subcontractors, and post-delivery support. Compare scheduled services, intellectual-property and privacy terms, warranties, claims-made dates, prior-acts continuity, exclusions, limits, and extended reporting options.
Coverage Guides Related to Professional Liability, E&O and Tech E&O
Sources for Professional Liability, E&O and Tech E&O Answers
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-25.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-25.
- Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; Coverage; Works With Contracts; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-25.