--- title: "What Insurance Covers Software Downtime?" description: "Cyber business-interruption coverage may replace lost income after a covered security event; technology E&O may address customer claims over a service failure." canonical: "https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-software-downtime" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "what-insurance-covers" question: "what-insurance-covers-software-downtime" --- 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/what-insurance-covers/what-insurance-covers-software-downtime) ## Agent Guide **What this page is:** Direct, cited answer to the question "What Insurance Covers Software Downtime?" within the What Insurance Covers 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 Covers Software Downtime? **Key facts:** - Cites 2 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:** - [What Insurance Covers FAQ](https://thegeneralaverage.com/insurance-faq/what-insurance-covers) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [What Insurance Covers Cyber Attacks?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-cyber-attacks) — related question - [What Insurance Covers Software Errors and Coding Mistakes?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-software-errors) — related question - [What Insurance Covers Business Data Loss?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-data-loss) — related question - [What Insurance Covers Employee Theft and Embezzlement?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft) — related question - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) — related coverage guide - [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) — related coverage guide - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) — related coverage guide # What Insurance Covers Software Downtime? Cyber business-interruption coverage may replace lost income after a covered security event; technology E&O may address customer claims over a service failure. An outage can hurt your own revenue or lead a customer to claim that your service failed. FTC guidance lists lost income after business interruption among possible first-party cyber costs, while technology E&O may address covered customer liability arising from professional services. Ask what causes qualify: a cyberattack, software bug, cloud-provider failure, planned maintenance, or customer configuration may trigger different terms. Compare waiting periods, required outage duration, and vendor-dependency wording. ## More Questions About Business Insurance - [What Insurance Covers Cyber Attacks?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-cyber-attacks) - [What Insurance Covers Software Errors and Coding Mistakes?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-software-errors) - [What Insurance Covers Business Data Loss?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-data-loss) - [What Insurance Covers Employee Theft and Embezzlement?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft) ## Coverage Guides Related to Business Insurance - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) - [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) ## Sources for This Answer 1. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-25. 2. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages does it cover?; claims-made and occurrence policies. Accessed 2026-09-25. 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