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.
Professional Liability for Developers & Studios
You're not just shipping code — you're advising clients on architecture, tech stacks, security decisions, and project direction. Professional liability (also called errors & omissions) responds when a client claims your professional services, recommendations, or judgment were negligent and caused them a loss.
What Professional Liability Covers
- Negligent advice: A technology or architecture recommendation that leads to client loss
- Errors & omissions: Mistakes or oversights in your professional services
- Failure to deliver agreed services: Not performing services to a professional standard
- Misrepresentation: Claims that you overstated capabilities or results
- Breach of professional duty: Falling short of the standard of care expected of a developer
- Defense costs: Legal defense even when allegations are unfounded
Tech E&O vs. Professional Liability
These coverages overlap and are often combined into a single "Technology E&O / Professional Liability" policy. The distinction: Tech E&O focuses on your technology work product failing, while professional liability focuses on your professional services and advice being negligent. For studios that consult as well as build, having both bases covered matters.
Why It Matters for AI-Assisted Work
As AI tools take over more of the typing, your value shifts toward judgment — what to build, how to architect it, which AI output to trust. That judgment is exactly what professional liability protects. A bad call on relying on hallucinated or insecure AI output is a professional-services exposure as much as a code one.
Claims-Made and Retroactive Dates
Like Tech E&O, professional liability is written claims-made. We make sure your retroactive date covers your past engagements so a claim on old work still responds.
What's Covered
Frequently Asked Questions
Often they're combined into one policy. If your work includes consulting, architecture, or advisory services on top of building software, you want both exposures covered — many carriers bundle them as 'Tech E&O / Professional Liability.' We make sure nothing falls through the gap.
It can cover claims arising from negligent performance of contracted services. Pure contractual disputes over payment aren't covered, but allegations that your professional work was deficient and caused loss generally are. We review your client contracts to confirm alignment.