Insurance for Software Developers in California
Technology E&O that covers the code that broke, the deadline you missed, and the data breach that followed — written for solo devs, contractors, and dev shops. Licensed California broker, multiple carriers, fast quotes by phone or text.
Commercial policies are quoted by a licensed agent — call or text with your business details, or request a quote online and we’ll follow up fast.
In short
Software developer insurance is built on technology errors & omissions (often combined with cyber liability into a single 'tech E&O' policy). It covers claims that your software failed to perform, a bug caused a client a financial loss, you missed a delivery milestone, or a vulnerability in code you wrote led to a breach. Standard business policies exclude the financial harm caused by software that doesn't work — which is precisely the claim a client brings. Auto World is a licensed California broker (#6005606) that shops multiple commercial carriers for independent developers and software companies.
What commercial auto insurance covers
Technology E&O (the core)
Covers claims that your software didn't perform as promised, a defect caused a client a financial loss, or you blew a delivery deadline. This is the line clients and enterprise contracts actually require, and the one general liability explicitly will not pay.
Cyber liability & first-party cyber
Covers a data breach, ransomware, or security failure tied to your product or systems — breach notification, forensics, restoration, and third-party claims. Most carriers blend this with tech E&O into one policy since the two overlap for developers.
Intellectual property / media exposure
Coverage often built into tech E&O for claims that your code, libraries, or product infringed someone's copyright or used open-source components in violation of license terms.
General Liability (GL)
Third-party bodily injury and property damage — the visitor injured at your office or the equipment you damage at a client site. Required by most office leases and many client master service agreements; limits up to $2M/$4M.
Business Owners Policy (BOP)
Bundles office property — workstations, servers, networking gear — with general liability for a dev shop with a physical office, cyber commonly included.
Workers' Compensation
Required in California once you have W-2 employees. Even a desk-bound dev team needs it — repetitive-strain and other claims happen, and the law has no headcount exemption.
Who needs it
Independent developers & contractors
Solo devs building under contract, where a client's MSA almost always demands tech E&O with a stated limit before you can sign.
Custom software & app dev shops
Teams delivering bespoke builds on fixed scopes and deadlines — missed milestones and scope disputes are common E&O triggers.
SaaS & product companies
Recurring-revenue products where downtime or a defect hits many customers at once and a breach is an existential cyber exposure.
Mobile & web app builders
Studios shipping client-facing apps that handle payments or user data, raising both E&O and cyber stakes.
DevOps, integration & API consultants
Developers wiring together systems where one misconfiguration can take down a client's operation.
Embedded & firmware developers
Devs whose code runs in hardware, where a defect can mean a costly recall claim against the developer.
Get a commercial auto quote today
Tell us what you drive and what you haul — we shop multiple California commercial carriers and get you covered, often same day.
Why Auto World for commercial coverage
Tech E&O and cyber written together — the way developer claims actually arrive.
We read the insurance clause in your client's MSA and place coverage that meets the required limit.
Multiple California commercial carriers compared — solo contractor to funded SaaS company.
Same-day certificates of insurance and additional-insured endorsements for enterprise clients.
Workers' comp and a BOP added for dev shops with staff and an office.
Licensed California broker, CA DOI #6005606 — call or text (619) 363-4466, Spanish-speaking agents available.
Frequently asked questions
What's the difference between general liability and tech E&O for a software developer?▾
My client's contract requires E&O and cyber with specific limits — can you match it?▾
I'm a solo developer — do I really need this?▾
Do I need workers' comp for a remote dev team?▾
How much does software developer insurance cost?▾
More commercial coverage
Ready to insure your work vehicles?
A licensed California agent will compare commercial carriers and get you a quote. Call or text now — proof of insurance often the same day.