Software developers often require a combination of policies to protect both services and assets:
- General Liability Insurance: Covers third-party bodily injury or property damage incidents, such as a client tripping over office equipment.
- Professional Liability (E&O): Protects against claims of mistakes or faulty code that result in client losses.
- Cyber Liability Insurance: Covers data breaches, ransomware incidents, privacy violations, and related recovery costs.
- Business Owner’s Policy (BOP): Bundles general liability and commercial property insurance—and typically includes business interruption coverage—for greater value.
- Workers’ Compensation Insurance: Required if you have employees; covers injuries like repetitive strain or falls.
These coverages form the foundation of protection for developers who handle data, deliver code, and operate from offices or client environments.
