Your code ships. Your career stays protected.
Tech E&O, Cyber Liability, and Professional Insurance for software developers, freelance coders, SaaS founders, and dev agencies. Same-day quotes from carriers who actually understand what you do.
const policy = {
techEO: "$2M",
cyber: "$1M",
gl: "$1M",
status: "✓ bound"
}Coverage Types
Insurance designed for how you work
Every coverage type crafted specifically for software professionals — from solo freelancers to funded startups.
Why CodingInsurance.com
We speak developer. Not insurance-speak.
Most insurance brokers don't know a tech stack from a haystack. We built CodingInsurance.com specifically for software professionals — every policy, every limit, every exclusion reviewed for how developers actually work.
Specialized Expertise
8 years serving tech professionals exclusively
How it Works
Coverage in 3 steps
Tell us about your work
Answer a few questions about your tech stack, client types, and revenue. No jargon — just the facts we need to find you the right coverage.
Get matched to real policies
We search across A+ rated carriers who specialize in tech E&O and cyber. No one-size-fits-all packages — policies matched to how you actually work.
Bind and get your certificate
Review, approve, and bind your policy online. Your Certificate of Insurance is issued same business day — ready for your next client contract.
Developer Reviews
Trusted by 8,200+ tech professionals
“A client's API integration broke production for 6 hours. They threatened a lawsuit for lost revenue. My Tech E&O policy handled the entire claim. Best $900/year I've ever spent.”
Marcus Chen
Freelance Full-Stack Developer · Independent
“Our Series A investor required proof of cyber + E&O coverage before closing. CodingInsurance.com got us both policies bound in 48 hours. No other broker understood what we actually needed.”
Priya Nair
Founder & CTO · CloudForge SaaS
“We had a client claim our custom CMS caused an SEO penalty and cost them six figures. Without E&O, we'd have been destroyed financially. Now my whole team is covered.”
Jake Thornton
Agency Owner · Pixel Stack Dev Studio
“As a pen tester and security consultant, standard brokers didn't know how to classify me. CodingInsurance got me a policy that actually covers my work without absurd exclusions.”
Sarah Okonkwo
Independent Security Consultant · Freelance
Common questions
Straight answers about tech professional insurance.
How much does tech professional liability insurance cost?
Freelance developers typically pay $700–$1,800/year for Tech E&O. Development agencies pay $2,000–$8,000+ depending on revenue and limits. Cyber liability adds $500–$2,500. We'll give you an exact quote same-day.
Do I need insurance if I work through platforms like Upwork or Toptal?
Platform agreements often don't protect you from client lawsuits. If a client claims your work caused financial harm, they can still sue you directly. Your own E&O policy protects you regardless of the platform.
What coverage limits do enterprise clients typically require?
Enterprise contracts commonly require $1M–$2M per occurrence for Tech E&O and Cyber. Some Fortune 500 clients require $5M. We'll match your coverage to your contract requirements.
Can I get a Certificate of Insurance quickly?
Yes — once bound, certificates of insurance are issued same business day. Most clients can be added as additional insured at no charge.
Does insurance cover work I did before I got the policy?
Tech E&O is typically 'claims-made' — the policy in force when the claim is filed pays, not the policy active when the work was done. We can backdate your retroactive date to cover prior work.
Is open source work covered?
Commercial insurance typically covers commercial work. Some carriers extend partial coverage to open source. We'll find a policy that fits your actual work profile.
From the Blog
Dev insurance insights
Ready to protect your dev career?
Get a same-day quote from specialists who understand your work. No generic formulas. No insurance-speak.