Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Aug 31, 2026.
GENERAL LIABILITY
Computer Programming Services $20/month for general liability
WHY IT MATTERS
Why Computer Programming Services need business insurance
Computer programming businesses can face claims tied to their work, client interactions, data and daily operations. The right mix of policies depends on the services you provide and the risks included in each policy.
SCENARIO 1
A client alleges a coding error
A client claims your software caused a financial loss. Professional liability insurance may help with covered legal defense expenses and damages, subject to the policy's terms.
SCENARIO 2
Someone is injured at your office
A visitor slips in your workspace and files a claim. General liability insurance may help address covered bodily injury claims and related legal expenses.
SCENARIO 3
Sensitive data is compromised
An attacker gains access to data your business stores or manages. Cyber liability insurance may help with covered response expenses and claims, depending on the policy.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services provided
Programming, systems integration, database management and other services can present different risks. A broader or more complex scope of work may increase the rate.
Business revenue
Higher revenue can indicate more client work and greater potential exposure, which may increase the rate.
Employees and payroll
A larger team or higher payroll may increase the rate for coverage tied to employee exposures.
Client contracts
Contracts that require additional coverage, higher limits or special policy terms may increase the rate.
Claims history
Prior claims can increase the rate, while a record without claims may be viewed more favorably by an insurer.
Business property and vehicles
The value of equipment, office property and business vehicles can increase the rate when those exposures are insured.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: $100K–$499K
National data
National rate factors
Rates and requirements vary by state and by carrier, even for programming businesses serving clients nationwide.
Where employees work
The states where employees perform their jobs can affect workers' compensation requirements and rating considerations.
Where services are delivered
Serving clients across multiple states can add exposures that an insurer may consider when reviewing the business.
Policy availability
Coverage options and underwriting requirements can vary by state and by carrier.
435
Quotes analyzed
45
States represented
6
Coverage lines
BEST RATE
How to get the best rate
Describe your services precisely
Separate programming work from consulting, hosting, data management and other services so the application reflects what your business actually does.
Review client contracts
Identify required coverage, limits and policy terms before requesting coverage so you do not include options a contract does not require.
Document security practices
Prepare clear information about access controls, backups, employee training and your process for responding to cyber incidents.
Keep business records current
Gather updated revenue, payroll, employee, claims, property and vehicle details to reduce follow-up questions during underwriting.
FAQ
Common questions
What insurance does a computer programming business need?
The appropriate policies depend on your services, contracts, employees, property, vehicles and data exposures. Common options to discuss include general liability insurance, professional liability insurance, cyber liability insurance, workers' compensation, commercial property insurance and commercial auto insurance.
Does general liability insurance cover programming errors?
General liability insurance generally is not the policy intended for claims alleging that professional work caused a client's financial loss. Professional liability insurance may respond to covered errors, omissions or service-related allegations, subject to its terms and exclusions.
What does professional liability insurance cover for programmers?
Professional liability insurance may help with covered claims alleging errors, omissions or failures in programming services. Coverage depends on the allegation, policy language, limits, exclusions and applicable deductible.
Do independent programmers need cyber liability insurance?
Cyber liability insurance may be worth considering if an independent programmer accesses systems, handles sensitive information or could face cyber-related response expenses. The appropriate coverage depends on the work performed and the policy's terms.
How can I get a business insurance quote for computer programming services?
Start with accurate details about your services, revenue, employees, contracts, claims history, security practices, property and vehicles. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.