Coverage Options

Developer & Studio Insurance

Every policy an AI-assisted developer or studio needs — in one place, from specialists who understand modern software.

Technology E&O Insurance

Technology errors & omissions (Tech E&O) is the foundation of developer insurance. It protects you when a client claims your software, code, or technical work caused them financial loss — through bugs, failures, downtime, or missed specifications.

  • Software defects & bugs
  • Failure to meet spec / SLA
  • Downtime & performance losses
  • Missed-deadline damages
Full coverage details

Professional Liability Insurance

Professional liability (errors & omissions) covers claims that your professional services, advice, or judgment fell short and caused a client harm — distinct from a software defect, this is about the service and counsel you provide.

  • Negligent technical advice
  • Errors & omissions in services
  • Failure to perform to standard
  • Misrepresentation claims
Full coverage details

Cyber Liability Insurance

Cyber liability covers the costs of a data breach or cyberattack — both your own recovery expenses and the claims clients bring when their data is exposed. Developers hold credentials, PII, and source code that make them prime targets.

  • Data breach response & forensics
  • Ransomware & cyber extortion
  • Breach notification costs
  • Third-party client data claims
Full coverage details

Media Liability Insurance

Media liability covers claims of intellectual property infringement, copyright violation, and defamation arising from your work and content. For AI-assisted developers, the risk that generated code reproduces protected material is real and growing.

  • Copyright infringement (code & content)
  • Open-source license contamination
  • Trademark infringement
  • Defamation, libel & slander
Full coverage details

General Liability Insurance

General liability covers the everyday, non-digital risks of running a business — a client who trips at your studio, damage to a co-working space, or property damage during a client visit. It's basic protection most contracts and leases require.

  • Third-party bodily injury
  • Property damage liability
  • Premises & slip-and-fall
  • Personal & advertising injury
Full coverage details

Business Owners Policy (BOP)

A Business Owners Policy (BOP) combines general liability with commercial property coverage in one cost-effective package — protecting your equipment, office, and third-party liability, often with business interruption included.

  • Laptops, monitors & office gear
  • General liability bundled in
  • Business interruption
  • Portable & off-site equipment
Full coverage details

Workers Compensation Insurance

Workers comp is mandatory in nearly every state once you have employees. For a studio, it covers job-related injuries and illnesses for your developers and staff — including the repetitive-strain and ergonomic issues common in desk work.

  • Medical expense coverage
  • Lost wage replacement
  • Repetitive-strain & ergonomic injuries
  • Remote-work injury coverage
Full coverage details

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