Software Developer insurance

You can save up to 25% in discounts on business insurance for software developers.*

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Software development insurance can help protect you from

Business errors

A client or customer accuses you of making a professional mistake that costs them money.**

Claims of professional negligence

Someone claims your inaction or wrongdoing caused financial loss or personal harm.

Legal defense

Legal fees and defense costs

You need an attorney to defend your business in a lawsuit after a claim.

Get software developer insurance that’s fast, easy and affordable

Insurance for software developers can help protect you, your software development company and your employees. It could provide financial protection for unexpected events and accidents, such as professional negligence, illness and injuries, and property damage.

Some clients may require proof of your business insurance coverage before they’ll sign a contract with you.

NEXT makes it easy to check prices, get covered and buy 100% online in about 10 minutes.

Manage your policy 24/7 via web or mobile app, and get unlimited certificates of insurance (a COI, or proof of insurance) at no extra cost.

NEXT specializes in software development insurance
App developer insurance or web developer insurance is usually several types of policies combined, and you can save up to 10% when you bundle two or more. Your coverage may include:
General Liability insurance

General Liability insurance

Protection for damage to other people's property and injuries to non-employees
General liability insurance can help cover the offline risks faced by technology professionals. For example, if a client gets injured tripping over your laptop cord and asks you to pay for medical bills, or you accidentally spill coffee on client hardware that needs replacing, this type of business insurance coverage could help with medical costs, repairs and legal fees.

general liability can help you pay for:

Medical expenses resulting from bodily injury
Property damage to other people’s property
Legal costs and judgments
Professional Liability insurance (E&O insurance)

Professional Liability insurance (E&O insurance)

To help protect you from errors and mistakes at work
Professional liability insurance — also called errors and omissions insurance, or E&O — could help protect your software development business if a client claims your work caused them financial harm. Even if you’re not found to be at fault, legal fees for your defense could rack up quickly without the right insurance protection. If a startup you support claims a software bug caused project setbacks and revenue loss, your professional indemnity insurance coverage could help cover your legal defense and potential settlements.

professional liability can help you pay for:

Claims of professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Property insurance

Commercial Property insurance

Protect your business gear, goods and building
If you lease or own a business/office space – even if your office is in your own home – commercial property coverage can be a smart choice to help protect your business gear, furniture, flooring and fixtures. If business property in your space is damaged due to a covered event such as a burst water pipe, fire, theft or vandalism, a property policy could help with replacement or repair.

commercial property can help you pay for:

Damaged business equipment
Repairs or replacements to building fixtures
Lost income if you’re forced to close after a covered event
Cyber liability insurance

Cyber liability insurance

To help protect data from cyber attacks and data breaches
If you handle sensitive client2 information such as personal data or financial data, cyber insurance could help protect you if that information becomes compromised. It can also help protect you and your business from the costs involved if your business systems fall victim to a digital attacks like phishing, wire fraud and more. Cyber insurance could help cover the costs of data recovery, notification and potential legal fees.

cyber liability can help you pay for:

Data breaches
Cyber attacks
System failures

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Save up to 25% in discounts on software engineer insurance

Pay monthly or annually, and you can cancel at any time.

Basic
Lowest Price
General Liability
Per occurrence
$500,000
Professional Liability (E&O)
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000

How much does software developer insurance cost?

Premiums for software developers are more affordable than you may think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

  • The type of work you do.
  • The types of clients you have.
  • Your business location.
  • Your number of employees.
  • Annual revenue.
  • The coverage limits and deductible you choose.
  • Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can insurance for software developers help your business?

You might need software development insurance to help your business:

  • Defend against claims of professional negligence. If a client sues you for a professional mistake that leads to revenue loss, professional liability insurance could help cover legal costs.
  • Defend you from a data breach. If confidential data is exposed, cyber liability coverage could help with breach response and recovery costs.
  • Safeguard your business gear and work space. Commercial property insurance could protect your laptops, servers, office contents and building from theft, fire or other damage.
  • Hire employees. Most states require workers’ compensation insurance for businesses with employees.
  • Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

Software Developer insurance FAQ

If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help.

What do I need to get an insurance quote online?

  1. Tell us about your business. Share what you do, where you’re located, how many people you employ, and any vehicles you use for work.
  2. Review your options. Compare recommended coverages and see prices tailored to your business.
  3. Buy online & get proof instantly. Complete checkout and download your certificate of insurance (COI) on the spot.
Time required: About 10 minutes.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
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More professions covered by NEXT

Software Developer insurance, Art Consultant, Business Consultant insurance, Education Consultant, IT Consultant, Marketing Consultant, Product Designer, Safety Consultant, Translator and Interpreter
What we cover
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NEXT is part of the ERGO Group, a Munich Re company.

Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts and policy start times apply to specific coverages only.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of March 21, 2025. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.