Software developer insurance

Secure software developer liability insurance quickly and without fuss. We're simply-priced, flexible and upfront.

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Professional indemnity insurance for software developers UK
Professional indemnity insurance for software developers UK
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The problem

Self-employed software developers face many risks

Your code causing havoc

If you're developing systems, as good as you are, there's always a possibility your code goes wrong and causes your client a loss. In which case they may come after you for damages.

Damage to your work equipment

You are likely to use your own laptop or computer for your work, if that gets stolen or damaged could you afford the repair or replacement costs?

IR35 enquiries and unpaid invoices

Depending if you use an umbrella company or contract directly you may be exposed to IR35 enquiries from HMRC. Regardless of how you're engaged you still could be subject to late or non-payment of invoices.

Accussation of causing a financial loss

An unhappy client may allege your work ended up costing them money which they now want to recover from you.

Software developer insurance UK

You need software developer insurance that's relevant and flexible enough to change or cancel easily

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

Software developer professional indemnity insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

Covers to consider

How much does software developer insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers software developers should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed professional indemnity insurance

Professional indemnity

from £8.63 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£9.24 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

In detail

Professional indemnity insurance for software developers

You back up your work to minimise the risk of mishaps or lost data and you need to take the same approach to your own business protect your livelihood and reputation.

There are many reasons that a case could emerge as a result of your work - everyday if fact if you’ve been writing code for the last few years. Regardless of whether you have done it purposefully, a few things can happen that can make a client troubled and make them sue you.

Copyright encroachment, digital assaults because of a weakness, property harm to a clients property while you are working (for example espresso spilled on a PC), coding blunders, and inability to finish your task on time are only a portion of the things that can be guaranteed by a miserable client.

These are just some examples of the most common claims against software developers by dissatisfied clients.

Try not to have a critical monetary misfortune by investing in quite possibly the key business insurance type - professional Indemnity insurance - which is there to protect you from accusations of wrongdoing, mistakes and other professional errors.

A case of a delayed error riddled project

We can offer an example of a product engineer who entered into a contract with a client to develop a tech capability for the client’s business.

The contractor didn’t finish the project within the two year time frame plus what had been delivered showed a number of slip-ups. At least that was what the client claimed before they walked away from the contract and recruited another developer to finish the product. On top of that the client sued the original contractor for breach of contract and demanded that all of the investment was refunded, by then amounting to some £600,000.

With professional indemnity insurance software developers won't be necessarily immune to those situations but will certainly be able to rely on qualified legal help to guide them through the problem and minimise any financial damage.

Other aspects of business insurance for software developers

Software developers often work as contractors within a larger team but some will work more in a freelancer capacity and as such probably face more risks in the course of their business.

Public liability insurance

Consider whether you’re working from your client’s premises or regularly meeting with them and their staff. Public liability insurance is an inexpensive insurance protection for unfortunate incidents such as damaged property of your client, your equipment causing someone to slip or fall. These claims rarely result in substantial claims but even a few thousands in legal defence costs can make a serious hole in your pocket.

Cyber insurance for software developers

Is the type of work you’re delivering prone to a cyber security issue? Cyber insurance is a very specialised product and even though professional indemnity insurance for software developers may include a little element of it, it’s unlikely to be enough for your line of work.

If your work is exposed to risks of cyber crime, look for a cyber insurance specialist. As a software developer you understand how complex this issue is, and often impossible to explain easily to a third party. You’ll need your insurer provider to have the experience, knowledge and resources to assist you.

Electronic business equipment insurance

In this line of business you are bound to be heavily reliant on all things electronic. Whether this equipment is yours or hired, you will be faced with the cost of repair or replacement, should an accident happen.

The price tag alongside with how and where you use your business equipment is a good guide whether you should consider this cover. For example if your laptop is of the expensive variety and you carry it with you everywhere you go, the risks of losing or breaking it is higher.

In this section

Common questions

What type of software contractor liability insurance do I need?

With professional indemnity insurance software developers may also wish to consider public liability insurance, useful if you’re in contact with your client, their staff and premises. Cyber insurance is advisable especially if your work is cyber crime sensitive.

Can I insure my past work under Suited insurance for software developers?

With Suited you can provided you’re not aware of any circumstances that might lead to a claim.

Will the work of subcontractors be covered by Suited professional indemnity insurance for software developers?

Suited professional indemnity does cover the work you have subcontracted but you must not waive your right of indemnity against those subcontractors.

What if I’m in between contracts?

With Suited you can switch the holiday mode on which means you’ll stay insured for the past under your professional indemnity insurance while paying a lot less.

Contact us
Prefer to speak?

Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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