App Developer Insurance

Personalized Coverage for Your App Developer Business

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App Developer Insurance That’s Made Just for You

You work hard to develop the latest apps for your clients — but if you don’t have insurance protection, all of that work is vulnerable to lawsuits.

That’s why Simply Business provides affordable insurance policies that are personalized for app developers just like you. Our policies can protect you from financial damage caused by lawsuits, accidents, and more. That way, you can focus on doing what you do best — developing the next big app!

What Insurance Do App Developers Need?

Since a lot of your business potentially involves creating trademarked apps for clients, you’ll definitely need business insurance that covers you in case of errors resulting from your work. You also may need a policy that helps cover you if a customer sues you for using work that was patented by another app developer or company. Let Simply Business build an insurance policy that’s personalized just for you.

Need more detail? Read our FAQs:

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Professional Liability Insurance for App Developers

Let’s say a client wants you to build out an app to support their business. You work hard on the app, launch it, and help the client use the app to grow their business. Unfortunately, another business claims that you used proprietary code to create the app. The client promptly sues you, accuses you of errors in your work, and demands you pay for their financial damages.

That’s where your professional liability insurance coverage comes in!

If you can show that the mistake was made unintentionally, your errors and omissions coverage may pay for legal costs and damages (up to your policy limit). This type of policy provides coverage in the event a customer alleges negligence from your professional services. Keep in mind that professional liability insurance usually doesn’t cover bodily injury or property damage.

General Liability Insurance for App Developers

If you spend a lot of time on customers’ properties or have customers visit your office, you may need general liability insurance. This type of coverage protects your business from third-party claims of bodily injury or damage to someone else’s property.

For example, if a client comes to your office and slips on a wet floor patch that you didn’t mark, your general liability coverage may pay for resulting damages (up to your policy’s limit).

Remember, the key here is that general liability insurance covers unintentional accidents and damage. If you left the floor wet on purpose (which we hope won’t happen!), your general liability policy won’t protect you. It also doesn’t cover tools, professional services, and other items.

Learn more about commercial general liability insurance.

Workers Compensation Insurance for App Developers

Do you have full-time employees? How about part-time workers?

If you answered “yes” to any of the above questions, there’s a good chance you may need workers compensation insurance. This coverage pays for medical bills, lost wages, and legal costs that might occur if someone who works for you gets hurt on the job.

Most states require app developers with employees to have workers compensation insurance, so it’s worth checking to see about adding it to your overall business insurance policy.

Learn more about workers compensation insurance.

How Much Does Insurance for App Developers Cost?

Simply Business can help you determine how much you might pay for app developer insurance. To do that, we’ll need the following information:

  • How many employees you have
  • Where you’re located
  • Your app development services
  • Employee payroll
  • Yearly revenue (estimate)
  • And more

Want to find out how much your insurance policy might cost? Just click here to answer a few questions about your business.

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