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Software developer insurance

Insurance for software developers, engineers and programmers is the only back-up you need. It protects your business from the financial fallout of mistakes, unhappy clients, and cybercrime.

Quote online in less than 2 minutes

Professional indemnity
from £8.14 a month for £100,000 cover

Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander. We offer up to £5,000,000 cover.

Public liability
£4.20 a month
£1,000,000 for physical damage and injuries caused by your business
Cyber insurance
£14.40 a month
£100,000 for hacks, breaches and data loss
Based on an annual income of up to £25,000. All prices include IPT at 12%. Quote online for turnovers up to £10,000,000, or call and talk to an expert.
Sync or swim

We all depend on technology. Likewise, your clients depend on you to provide the programs, systems and updates to make that technology purr.

Getting the coding exactly right can be tricky. But clients don’t always see it that way, and glitches or hold-ups can mean accusations start to fly.

Thankfully, software developer insurance is programmed to protect you. It’s your very own IT support.

Why do software developers need professional indemnity insurance?

Professional indemnity (PI) insurance is there for when fingers are pointed, solicitors get involved and clients demand payback.

You can’t simply ignore a claim, no matter if you’re a freelance software engineer or a larger business. And there are no shortcuts. You have to Do Something About It.

So, you need the legal expertise and financial cover PI provides because:

  • you have a business to run (and claims eat up a lot of time)
  • you have limited funds (and paying for solicitors and compensation is costly)
  • you’re not legally trained (and solicitors are)
  • your reputation matters.

What does professional indemnity insurance for software developers cover?

PI insurance takes care of claims and allegations made against you by clients and third parties because of mistakes you’ve made and things you’ve failed to do.

Specifically (but depending on the policy wording), it covers:

  • Negligence
  • Defamation
  • Intellectual property infringement
  • Loss of documents or data
  • Negligent misrepresentation or misstatement
  • Employee dishonesty
  • Virus transmission
  • Breach of confidentiality
  • Failure of third-party equipment

Some professional indemnity policies can even pay to fix a mistake before your client notices, preventing a claim in the first place.

Clever stuff.

How much professional indemnity insurance do I need?

Professional indemnity insurance protects your business and no one else’s. So only you can decide what level of cover is enough.

Consider the exact nature of what you do, who you do it for and how much it’s worth. Think about worst-case scenarios and what could go wrong. What’s the most expensive mistake you could make (or be accused of making)?

Always bear in mind that you can’t have too much cover. Your legal defence can cost many £tens of thousands – and that’s before the bill for compensation arrives. Your level of cover has to be enough to cover it all.

It’s a tricky one to get right. Have a read of this guide or call us if you need more help.

Do I need public liability insurance?

Yes, probably.

Public liability is handy if you go out and about on business (eg, to meetings or to install equipment), or if visitors come to you.

It protects you if a third party claims it’s your fault they were injured or their property was damaged. Say they tripped and fell in your office, or you spilled coffee over their laptop.

It’s useful if you’re clumsy, of course. But it’s also useful in dealing with people from the ‘where there’s blame there’s a claim’ school of thought.

What else do I need?

Public liability insurance is for when you go out and about on business, or have visitors to your office. It’s for claims of physical damage to property and people. Useful if you’re clumsy.

Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your office (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the office (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up – it’s probably worth more than you think.

Business interruption insurance means you can still work when your office is out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.

Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.

What our customers say...
The buying process was so easy and the information they gave on each insurance policy really helped me understand what I was buying. Cracking job and I feel safe knowing I'm insured by a company that cares.
Computer repair and maintenance
14 August 2022
Very clear cut set of business insurance options to choose from and easy to navigate website to get to conclusion of quote process.
Technology consultancy
10 August 2022
Very easy to find the cover I needed for my company. The options were easy to understand and select/deselect.
I would recommend PolicyBee
IT Contracting
6 July 2022

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0345 561 0320
Catherine Roberts
Account Executive
Sarah Adams
Sales Team Leader
Yasin Akdemir
Senior Account Executive
Sian Adams
Senior Account Executive
Zoe Langford
Account Executive