Professional Liability Insurance
Covers claims alleging coding errors, missed functionality, or negligent development work.
How it worksProfessional
Coverage built for the code, launches, and client data behind every site you build.
One application, shopped to our A-rated carrier network. Number of offers depends on carrier appetite for your class, state, and loss history.
Web developers are hired to deliver a working product on a deadline, and when a launch goes wrong the financial consequences can land directly on the developer. A site that crashes under traffic on launch day, an e-commerce checkout that silently fails and loses sales for days before anyone notices, or a migration that corrupts a client's existing content can each trigger a claim for lost revenue, even if the underlying code met the original project specifications. Because so much of a client's business can depend on a functioning website or application, the financial stakes of a development error are often much larger than the size of the original contract.
Developers who build or maintain systems that touch customer data face an added layer of exposure if that data is exposed through a vulnerability in the code they wrote or maintained. A missed security patch, an improperly secured database, or a misconfigured API endpoint can lead to a breach of a client's customer records, and the client will often look to the developer responsible for building or maintaining the affected system. This exposure has grown as more small businesses rely on custom-built platforms handling payment information, login credentials, and personal data rather than off-the-shelf software with dedicated security teams.
Developers also face disputes over scope, functionality, and ownership once a project is delivered — a client who expected certain features that weren't explicitly documented may allege the final product didn't meet what was promised, and disagreements over source code ownership can surface after a contract ends. A professional liability policy is the core protection against claims tied to the functionality and quality of delivered work, while cyber coverage addresses the breach and downtime exposure that comes with building and maintaining live systems.
A site or application that fails at launch or goes down unexpectedly can cause a client significant lost revenue, leading to a claim against the developer.
A security flaw in code built or maintained by the developer can expose a client's customer data and trigger both liability and regulatory costs.
Disagreements over whether delivered work matched the agreed specifications can lead to a claim if the client believes the final product fell short.
An error during a site migration or platform update can corrupt or delete existing client content, requiring costly recovery or rebuild work.
Most owners in this class start here. A licensed agent will confirm what your contracts, state, and payroll actually require.
Covers claims alleging coding errors, missed functionality, or negligent development work.
How it worksResponds to breaches of client customer data tied to vulnerabilities in code the developer built or maintains.
How it worksCovers third-party injury or property damage claims tied to an office space or client meetings.
How it worksBundles equipment coverage for computers and servers with baseline liability protection.
How it worksCovers claims from employees or contractors as a development shop grows beyond a solo operation.
How it worksWeb developer premiums are typically driven by revenue, the type of applications built (informational sites versus e-commerce or data-heavy platforms), and prior claims history.
| Business size | Typical annual range |
|---|---|
Solo/freelance developer Covers a basic E&O and cyber package for an independent developer. | $700 – $1,900 / yr |
Small shop (2–10 staff) Reflects broader client exposure and more complex applications built across a small team. | $2,300 – $7,000 / yr |
Larger shop (10+ staff) E-commerce platforms, higher client revenue dependency, and larger contracts drive this range up. | $8,000 – $25,000+ / yr |
Illustrative ranges only. Premium varies by state, carrier, limits, payroll, and loss history — it is not a quote.
One application. Up to 10 competing quotes from A-rated carriers. A licensed agent presents your best options, usually within one business day.