Software Development Consultant Insurance

Software Development Consultant Insurance

Software Development Consultant Insurance

Learn what kind of coverage you need as a Software Development Consultant. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Software Development Consultant. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Software Development Consultant. Ready for a quote? We'll help protect your practice quickly and simply.

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Why Does a Software Development Consultant Need Insurance?

Software consultants make decisions that affect revenue, security, and uptime. Even good-faith work can lead to claims over outages, delays, or losses. Insurance helps cover defense costs without risking personal savings. Many contracts also require professional, general liability, and cyber coverage to onboard smoothly and keep deals moving.

What Does Software Development Consultant Insurance Cover?

Software development consultant insurance combines general liability for third-party injuries, professional liability for service-related claims, and cyber coverage for data incidents. It can also protect equipment, income after disruptions, and employment-related risks if you have staff.

A client says your deployment caused an outage

You push a release or configure infrastructure as part of a project, and the client experiences downtime during peak hours. They claim lost revenue and demand you cover rollback costs, emergency engineering time, and penalties owed to their customers.
You push a release or configure infrastructure as part of a project, and the client experiences downtime during peak hours. They claim lost revenue and demand you cover rollback costs, emergency engineering time, and penalties owed to their customers.

An integration bug triggers billing errors

You connect a payment processor or ERP system and a logic error leads to duplicate charges or missed invoices. The client alleges your work created refunds, chargebacks, and reputational damage, and they want compensation for the cleanup.
You connect a payment processor or ERP system and a logic error leads to duplicate charges or missed invoices. The client alleges your work created refunds, chargebacks, and reputational damage, and they want compensation for the cleanup.

A subcontractor mishandles sensitive data

You bring in a freelancer for QA or DevOps support, and they accidentally expose credentials or a dataset. Even if you were not the one who made the mistake, the client may hold you responsible for vendor oversight and notification costs.
You bring in a freelancer for QA or DevOps support, and they accidentally expose credentials or a dataset. Even if you were not the one who made the mistake, the client may hold you responsible for vendor oversight and notification costs.

Software Development Consultant Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

Is software development consultant insurance the same as general liability?

Not usually. General liability is built for third-party injuries, property damage, and certain advertising claims. It does not typically pay for a client’s financial losses tied to your work product, such as a failed integration or a bug that causes downtime. For that, software consultants usually look to professional liability, often written as technology E&O.

What kinds of client claims does Technology E&O typically respond to?

I work remotely and never visit client sites. Do I still need insurance?

Will insurance cover a breach if I use cloud services like AWS, Azure, or GCP?

What if my contract requires specific limits or adds my client as additional insured?

How are premiums determined for software development consultants?

Is software development consultant insurance the same as general liability?

Not usually. General liability is built for third-party injuries, property damage, and certain advertising claims. It does not typically pay for a client’s financial losses tied to your work product, such as a failed integration or a bug that causes downtime. For that, software consultants usually look to professional liability, often written as technology E&O.

What kinds of client claims does Technology E&O typically respond to?

I work remotely and never visit client sites. Do I still need insurance?

Will insurance cover a breach if I use cloud services like AWS, Azure, or GCP?

What if my contract requires specific limits or adds my client as additional insured?

How are premiums determined for software development consultants?

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Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.