What insurance does a software developer need?
Professional indemnity, product liability and cyber cover explained.
Software DeveloperInsurance
Software Developer Insurance
Professional indemnity and cyber cover built for software developers, covering bugs, product liability and the apps you build or own.
Professional indemnity and cyber cover built for software developers, covering bugs, product liability and the apps you build or own.
Client work errorsYour own softwareData breaches
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What is software developer insurance?
Software developer insurance is a combination of covers built around building software, professional indemnity for bugs or errors that cause a client a financial loss, product liability if your software harms end users, and cyber cover for the data you handle.
One policy. Multiple risks. Whether you build bespoke software for clients or your own product that thousands of people use, a bug or security flaw can lead to a claim either way.
The right software developer cover depends on:
Bespoke client work or your own productAccess to client systems or dataNumber of employeesUse of third-party or open-source codeAnnual turnoverWhether you use subcontractors
Cover that fits the way you build
Cover that fits the way you build
Client contracts and product ownership bring their own everyday risks.
Client contracts and product ownership bring their own everyday risks.
RecommendedProfessional Indemnity
Protection if a bug or error in your software causes a client a financial loss.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedCyber Insurance
Covers costs following a data breach or cyber incident.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you working.
OptionalBusiness Equipment
Cover for laptops, servers and development equipment.
OptionalProduct Liability
Protection if software you own causes harm or loss to end users.
What could go wrong for a software developer?
What could go wrong for a software developer?
Most software developer claims come from a security flaw exposing user data, a bug harming users, a failed third-party dependency, or a missed deadline.
Most software developer claims come from a security flaw exposing user data, a bug harming users, a failed third-party dependency, or a missed deadline.
Is this cover right for your work?
This type of business insurance may suit you if you build software, apps or digital products.
The right cover depends on:
Freelance software developersDevelopment agenciesSaaS or app product ownersDevelopers with multiple clientsRemote or on-site developersDevelopers with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A coding error, a data breach, equipment theft and software harming a user are the four developer scenarios insurers see most. Each responds to a different cover.
A coding error, a data breach, equipment theft and software harming a user are the four developer scenarios insurers see most. Each responds to a different cover.
Coding error
A bug in your code causes a client’s system to fail.
Potential cover
Professional Indemnity
Data breach
A vulnerability in your software exposes user data.
Potential cover
Cyber Insurance
Equipment theft
A laptop holding source code or client data is stolen.
Potential cover
Business Equipment
Software harms a user
A fault in your product causes a user financial loss.
Potential cover
Product Liability
How much does software developer insurance cost?
There’s no fixed price. It depends on your level of professional indemnity cover, number of users, staff numbers and claims history.
Client work or own product
Owning a product used by many people can carry different risk to client work.
Number of end users
More users can affect your product liability needs.
Number of staff
More employees increase your employers’ liability exposure.
Annual turnover
Higher turnover generally means a higher premium.
Level of professional indemnity
Higher limits mean a higher premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting software developer insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting software developer insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
What you build, and whether you own a product.
2
Tell us what you need
Which covers matter most to you.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Software developer insurance guides
Software developer insurance guides
Client work versus your own product, and where product liability starts.
Client work versus your own product, and where product liability starts.
Software developer insurance FAQs
Software developer insurance FAQs
Straight answers on cover, product liability and cost.
Straight answers on cover, product liability and cost.
Software developer insurance is a combination of covers built around building software: professional indemnity for bugs or errors that cause a client a financial loss, product liability if your software harms end users, and cyber cover for the data you handle.
Still have questions?
Our advisers are here to help you find the right solution.