---
title: "What Insurance Covers Software Errors and Coding Mistakes?"
description: "Technology E&O may cover client claims that a software error in covered services caused financial loss; fixing your own code and cyber response are separate questions."
canonical: "https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-software-errors"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Covers Software Errors and Coding Mistakes?

Technology E&O may cover client claims that a software error in covered services caused financial loss; fixing your own code and cyber response are separate questions.

A customer seeking damages for a coding mistake may have a professional-liability claim. Texas DOI describes E&O for damages from professional services, but the policy must include your technology services and products.

Ask how the form treats lost revenue, debugging or replacing your own code, data restoration, and customer privacy claims after a breach. Technology E&O and cyber sections may address different parts of the same incident.

## Related Questions

- [What Insurance Covers Failed Software Implementations?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-failed-software-implementations)
- [What Insurance Covers Software Downtime?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-software-downtime)
- [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

- [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)
- [Cyber liability](https://spot.insure/coverage/cyber)

## 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.
3. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; Coverage for Claims Made Against You, PDF pp.1–2; insuring agreement and reporting requirements. Accessed 2026-09-25.

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

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