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.
Cyber Liability for Dev Studios
Developers sit on a goldmine of sensitive data: client PII, login credentials, API keys, database access, and proprietary source code. That makes even a one-person studio an attractive target. Cyber liability covers the fallout when a breach, ransomware attack, or cyber incident hits you or flows downstream to your clients.
First-Party vs. Third-Party Coverage
Cyber liability has two halves, and you need both:
- First-party: Your own costs — breach investigation, data restoration, ransomware payments, business interruption, and breach notification
- Third-party: Claims from clients and others harmed by a breach involving data you held
What's Covered
- Data breach response: Forensics, legal, and notification costs
- Ransomware & extortion: Ransom payments and recovery
- Business interruption: Lost income while systems are down
- Client data claims: Liability when client PII or credentials are exposed
- Regulatory fines & defense: Where insurable, costs from privacy regulators
- Credential & API key compromise: Incidents stemming from leaked secrets
Why Tech E&O Isn't Enough
Tech E&O covers your work failing; cyber covers data being breached. If a hacker steals client data from your systems, that's a cyber claim, not an E&O claim. Many developer programs bundle both, but the cyber piece must have adequate first- and third-party limits — a breach can generate notification and forensics costs long before any lawsuit.
Increasingly Contract-Required
More client master service agreements now mandate cyber coverage with specific limits. We issue certificates same-day so a cyber requirement never stalls your deal.
What's Covered
Frequently Asked Questions
Yes. Attackers target small developers precisely because they hold valuable client data and credentials but often have weaker defenses. A single breach can trigger notification costs, client claims, and downtime that easily reach five or six figures.
First-party pays your own breach costs — forensics, restoration, ransomware, notification. Third-party pays claims from clients or others harmed by a breach of data you held. A complete cyber policy includes both, and developers need both.