What insurance does a software development firm need?
Most software firms carry Technology E&O / Professional Liability, Cyber Liability, General Liability, Workers' Compensation, and either a Business Owners Policy or standalone Property. Tech E&O is typically the central policy — it covers software defects and contractual indemnity to clients.
Which carriers will quote software development insurance through Delegance?
Delegance has indicated appetite from carriers including Hiscox, Coterie, and Chubb for software development and technology consulting practices across most U.S. states. The exact panel and per-line state availability are listed above. Indicated appetite reflects carrier guidance as of the refresh date and does not guarantee a quote — final eligibility depends on underwriting review.
Are Tech E&O and Cyber the same policy?
Frequently they are bundled into one policy form by carriers like Hiscox, Coterie, and Chubb — but they cover different things. Tech E&O covers professional errors (a defect in your code or a missed deliverable). Cyber covers data, breach response, and business interruption from a network outage. Make sure both are in scope.
Do remote employees need Workers' Compensation?
Yes, in nearly all states — and the rules can surprise you. WC requirements are based on where the employee works, not where the company is based, so a remote engineer in another state can pull your firm into that state's WC system. Delegance handles the multi-state rating — including monopolistic-state Stop Gap (ND, OH, WA, WY) and state-specific rate filings — at quote time.
How fast can I get a quote or COI for my software firm?
Multi-carrier quotes typically return within 24 hours of submitting the intake — Delegance routes to every carrier in our technology panel with indicated appetite simultaneously. Once bound, Certificates of Insurance — including additional-insured language for client SOWs and waiver-of-subrogation endorsements where required — are generated in seconds via the portal, ChatGPT, Claude, Slack, email, phone, or MCP.