--- title: "What Insurance Covers Software Errors and Coding Mistakes?" description: "Technology E&O may cover client claims that a software error in covered services caused financial loss; fixing your own code and cyber response are separate questions." canonical: "https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-software-errors" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "what-insurance-covers" question: "what-insurance-covers-software-errors" --- 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-errors) ## Agent Guide **What this page is:** Direct, cited answer to the question "What Insurance Covers Software Errors and Coding Mistakes?" 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 Errors and Coding Mistakes? **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:** - [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 Failed Software Implementations?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-failed-software-implementations) — related question - [What Insurance Covers Software Downtime?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-software-downtime) — 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 - [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 - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) — related coverage guide # What Insurance Covers Software Errors and Coding Mistakes? Technology E&O may cover client claims that a software error in covered services caused financial loss; fixing your own code and cyber response are separate questions. A customer seeking damages for a coding mistake may have a professional-liability claim. Texas DOI describes E&O for damages from professional services, but the policy must include your technology services and products. Ask how the form treats lost revenue, debugging or replacing your own code, data restoration, and customer privacy claims after a breach. Technology E&O and cyber sections may address different parts of the same incident. ## More Questions About Business Insurance - [What Insurance Covers Failed Software Implementations?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-failed-software-implementations) - [What Insurance Covers Software Downtime?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-software-downtime) - [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 - [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) - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) ## 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. 3. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; Coverage for Claims Made Against You, PDF pp.1–2; insuring agreement and reporting requirements. Accessed 2026-09-25. 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