---
title: "What Insurance Covers Software Downtime?"
description: "Cyber business-interruption coverage may replace lost income after a covered security event; technology E&O may address customer claims over a service failure."
canonical: "https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-software-downtime"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Covers Software Downtime?

Cyber business-interruption coverage may replace lost income after a covered security event; technology E&O may address customer claims over a service failure.

An outage can hurt your own revenue or lead a customer to claim that your service failed. FTC guidance lists lost income after business interruption among possible first-party cyber costs, while technology E&O may address covered customer liability arising from professional services.

Ask what causes qualify: a cyberattack, software bug, cloud-provider failure, planned maintenance, or customer configuration may trigger different terms. Compare waiting periods, required outage duration, and vendor-dependency wording.

## Related Questions

- [What Insurance Covers Cyber Attacks?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-cyber-attacks)
- [What Insurance Covers Software Errors and Coding Mistakes?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-software-errors)
- [What Insurance Covers Business Data Loss?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-data-loss)
- [What Insurance Covers Employee Theft and Embezzlement?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft)

## Related Coverage

- [Cyber liability](https://spot.insure/coverage/cyber)
- [Commercial property](https://spot.insure/coverage/commercial-property)
- [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions)

## Sources

1. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-25.
2. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages does it cover?; claims-made and occurrence policies. Accessed 2026-09-25.

More answers: [What Insurance Covers FAQ](https://spot.insure/insurance-faq/what-insurance-covers).

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