IT Liability
Combined technology cover can address selected professional, product, media and technology-service liabilities, subject to the policy wording.
Software engineers
Insurance for software engineers.
IT Liability, Professional Indemnity and cyber insurance advice for software developers, technology consultants and digital product businesses.
Want to talk it through first?Start with a callback—no quote form or commitment required.
Scope of work
The technology and obligations need to be clear.
A strong insurance submission explains what your business builds or supports, who relies on it, the data involved and the commercial commitments accepted.
- Software, web and mobile application development
- Systems architecture, integration and implementation
- Cloud, SaaS and managed technology services
- Testing, maintenance and technical support
- Data, automation and artificial-intelligence solutions
- Technology consulting and project management
- Software products, licensing and intellectual property
Underwriting context
What can influence the insurance terms?
The detail behind the occupation matters. Clear information about products, customers, data, contracts and service criticality helps insurers assess the actual software and technology risk.
01Custom development, SaaS, products and managed services
02Revenue, largest contracts and customer concentration
03Business-critical, financial, health, infrastructure or safety-related systems
04Personal, sensitive or payment data handled
05Cybersecurity obligations and access to client networks
06Service levels, warranties, indemnities and liability caps
07Intellectual property, open-source software and overseas clients
08Claims, incidents and known circumstances
Cover around the practice
Protection around the whole technology business.
Professional Indemnity
For covered allegations involving advice, design, implementation, errors, omissions or failure to deliver professional services.
Cyber insurance
Selected first- and third-party cover for data breaches, cyber incidents, interruption, response costs and privacy liability.
Management Liability
Cover options for selected claims involving directors, officers, employment practices and management of the company.
Cover availability, terms and exclusions depend on the insurer and the information supplied.
Preparing the submission
Information worth having ready.
You do not need every document before starting the conversation, but these details usually help us obtain meaningful written terms.
- Revenue split by development, products, consulting and support
- Customer industries, locations and largest contracts
- Details of critical systems and data handled
- Contractual service levels, liability caps and indemnities
- Cybersecurity controls, subcontractors and cloud providers
- Current policy, claims, cyber incidents and notified circumstances
Useful guides
Go deeper when you need to.
Choosing a Professional Indemnity limit
Defence costs inside or outside the limit
Retroactive cover and prior work
Insurance requirements in engineering contracts
Common questions
Software insurance, explained clearly.
Professional Indemnity focuses on professional services. IT Liability policies may combine professional liability with selected technology-product, media and other technology-specific exposures. The actual protection depends on the wording.
Liability for client work and the business’s own cyber incident are different exposures. Cyber insurance can provide selected response, recovery, interruption and privacy cover that is not automatically included in professional liability.
Yes. Insurers may consider warranties, indemnities, service credits, performance guarantees, liability caps and the financial consequences of downtime or failed delivery.
Yes. Client location, governing law, cloud dependencies, subcontractors and where data is stored can all affect underwriting and policy response.
Next step
Request written terms for your software business.
Tell us about your technology, customers, data and contractual commitments.
A simpler first step
Not ready for a quote? Start a conversation.
Start a conversation
Request a callback.
Share the essentials and the team can get in touch. There is no need to complete a full proposal form.
Concept only—the production version will use Gravity Forms and notify the team.