--- title: "What Insurance Does a Software Developer Need?" description: "Software developers should consider Tech E&O for client losses from code or service failures, plus cyber and general liability for different exposures." canonical: "https://thegeneralaverage.com/insurance-faq/professional-liability/software-developer-insurance" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "professional-liability" question: "software-developer-insurance" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/professional-liability/software-developer-insurance) ## Agent Guide **What this page is:** Direct, cited answer to the question "What Insurance Does a Software Developer Need?" within the Professional Liability FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - What Insurance Does a Software Developer Need? **Key facts:** - Cites 3 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Professional Liability FAQ](https://thegeneralaverage.com/insurance-faq/professional-liability) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [What Does Professional Liability Insurance Cover?](https://thegeneralaverage.com/insurance-faq/professional-liability/what-does-professional-liability-insurance-cover) — related question - [What Doesn’t Professional Liability Cover?](https://thegeneralaverage.com/insurance-faq/professional-liability/what-doesnt-professional-liability-cover) — related question - [Does Professional Liability Cover Negligence?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-professional-liability-cover-negligence) — related question - [Does Professional Liability Cover Mistakes?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-professional-liability-cover-mistakes) — related question - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) — related coverage guide - [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) — related coverage guide # 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. ## More Questions About Professional Liability, E&O and Tech E&O - [What Does Professional Liability Insurance Cover?](https://thegeneralaverage.com/insurance-faq/professional-liability/what-does-professional-liability-insurance-cover) - [What Doesn’t Professional Liability Cover?](https://thegeneralaverage.com/insurance-faq/professional-liability/what-doesnt-professional-liability-cover) - [Does Professional Liability Cover Negligence?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-professional-liability-cover-negligence) - [Does Professional Liability Cover Mistakes?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-professional-liability-cover-mistakes) ## Coverage Guides Related to Professional Liability, E&O and Tech E&O - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) - [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) ## Sources for This Answer 1. [Professional liability insurance](https://www.iii.org/article/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. 2. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). 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. 3. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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. More answers: [Professional Liability, E&O and Tech E&O FAQ](https://thegeneralaverage.com/insurance-faq/professional-liability). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-faq/professional-liability/software-developer-insurance.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)