Project and code errors
A defect can disrupt client operations. Missed milestones, unpaid fees and correcting the developer's own work do not automatically qualify as covered damages.
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Custom Computer Programming Service Insurance
Reused or open-source code can bring licensing responsibilities into a project built for one client. Your programming and cyber protection should distinguish those rights from a defect, exposed repository, or credential, with rework, acceptance terms, and unpaid fees considered separately.
Talk with The Southern Agency about your operation, policy terms, and the information carriers need.
Industry overview
You build custom code and integrations tailored to a client's specific application. A production bug or a failure to meet acceptance criteria can result in disputes over rework costs and business delays.
The Southern Agency can review your development services and contract terms to help you select appropriate insurance. We can discuss E&O for coding claims while addressing cyber coverage for data repositories or credential security involved in your projects.
Risks worth discussing
Client access and components
Repositories, credentials, and test data can be exposed. Reused or open-source code can also produce licensing disputes.
Distributed staff
Remote teams create employment and jurisdiction questions. Contractor status, wage disputes, and misclassification may be excluded from employment cover.
Coverage worth discussing
Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.
- Professional Liability InsuranceTechnology E&O may address covered claims about declared programming services. Review acceptance, delay, rework, IP and contractual exclusions and reporting dates.
- Cyber Liability InsuranceMay address covered exposure of client code, credentials, or data. Coordinate breach response and technology-service claims under any shared limits.
- Business Owners PolicyMay package eligible workstations and office liability. Remote equipment and client sites may need extensions.
- General Liability InsuranceMay address covered visitor injury or physical damage at offices/client meetings. It is not substitute cover for coding financial losses.
- Employment Practices Liability InsuranceMay address covered employment allegations if the people and acts fit. Contractor, wage/hour, and misclassification claims are not automatically included.
Situations to think through
These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.
Hypothetical: Bug stops order processing
A delivered integration fails and a client seeks lost sales and rework. E&O may address covered service damages; rewriting code, refunding fees, and guaranteed performance may be excluded.
Hypothetical: Repository compromised
Unauthorized access exposes client source and credentials. Cyber may address eligible response/liability, subject to information, system, and reporting terms.
Hypothetical: Former contractor brings a claim
A departing developer alleges discrimination and unpaid compensation. EPLI may address a covered allegation only if the claimant and act fit; wage and classification exclusions require separate review.
Before you talk to an agent
Questions to raise
- Are deployment, maintenance, and subcontracted work included?
- What remains excluded for rework, delay, and reused components?
Contract terms to check
- Define deliverables, acceptance, and change approval; bring indemnities and source-ownership promises for policy comparison.
- Have workforce and licensing arrangements reviewed without assuming insurance resolves legal classification or IP ownership.
What the agent conversation looks like
Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.
- ListenReview your operations, current coverage, and past claims.
- AssessIdentify potential hazards and discuss ways to reduce risk.
- BuildDiscuss policy and carrier options, premium costs, and audits.
- SupportReview changes and help you plan ahead as your needs develop.
Questions owners ask
Does E&O pay for every late project?
No. A covered claim is required, and delay, contractual penalties or ordinary rework can be excluded.
Are open-source disputes covered?
Not automatically. Copyright, licensing, and intentional noncompliance can be treated differently.
Does a remote team eliminate GL?
No. Client visits, shared premises, and physical damage remain possible; assess actual activities.
Does EPLI settle classification duties?
No. It may exclude classification and wage claims and does not determine whether someone is an employee.
Talk through your custom computer programming service coverage
Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.