---
title: "What Insurance Does a Software Developer Need?"
description: "Tech E&O may cover a customer’s loss from a covered software failure; a business’s own repair costs and downtime may need separate coverage."
canonical: "https://spot.insure/insurance-faq/professional-liability/software-developer-insurance"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Does a Software Developer Need?

Tech E&O may cover a customer’s loss from a covered software failure; a business’s own repair costs and downtime may need separate coverage.

Software can fail through design, integration, updates, or a vendor outage. The Hartford and Coalition describe customer losses from technology-service failures as possible claims, subject to policy wording.

Check covered services, vendor and warranty exclusions, limits for delay or loss of use, and whether the policy pays customer damages or your repair and restoration costs. Review reporting dates and customer contracts.

## Related Questions

- [What Does Professional Liability Insurance Cover?](https://spot.insure/insurance-faq/professional-liability/what-does-professional-liability-insurance-cover)
- [What Doesn’t Professional Liability Cover?](https://spot.insure/insurance-faq/professional-liability/what-doesnt-professional-liability-cover)
- [Does Professional Liability Cover Negligence?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-negligence)
- [Does Professional Liability Cover Mistakes?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-mistakes)

## Related Coverage

- [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions)
- [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions)

## Sources

1. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-25.
2. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-25.
3. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; Coverage; Works With Contracts; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-25.

More answers: [Professional Liability, E&O and Tech E&O FAQ](https://spot.insure/insurance-faq/professional-liability).

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