Technology E&O
Client claims over defects, delivery and specification disputes.
Business Insurance
App developer insurance for what you ship.
Apps collect data, take payments and run on devices you do not control. Each of those is its own exposure.
App developers face a combination of project risk and product risk. Client work brings the usual professional exposure — late delivery, specification disputes, defects — while published apps bring privacy and data handling obligations that follow the product to every user.
Privacy, permissions and payment data
Apps that collect location, contacts, health or payment data carry privacy obligations regardless of size. A permissions or data handling misstep produces regulatory attention and user claims, and cyber liability with a privacy section is the cover for it.
For client project work, the more common claim is a dispute over scope, delivery or defects. Technology E&O responds to those, and clear written specifications remain the best defence.
What it covers
The parts of a app developer insurance policy
Cyber and privacy
Data handling, permissions and breach exposure in published apps.
Media liability
Content, imagery and copyright claims arising from the app.
General liability
The premises cover client contracts commonly also require.
Working with us
What we do differently
We are an independent agency, so we place your app developer insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Confirm privacy cover if the app collects location, health or payment data
- Keep written specifications and sign-offs for every client project
- Check media liability if the app publishes content or user material
Common questions
App Developer Insurance, answered
What claims do app developers actually face?
Most commonly client disputes over scope, delivery and defects. For published apps, privacy and data handling issues are the growing exposure.
Do we need privacy cover?
If the app collects personal data — location, contacts, health, payment — yes. Privacy obligations apply regardless of company size and produce both regulatory and user claims.
Is user-generated content a risk?
It can be. Media liability covers content and copyright claims, which matters if the app publishes or hosts material from users.
Related cover
Often arranged alongside this
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A defect ships to every customer at once. That is the difference between selling software and providing a service.
Read moreWeb Developer Insurance
Missed deadlines, a site that goes down at launch, and an image someone else owned. Those are the three claims agencies actually see.
Read moreCyber Liability Insurance
The cost of a breach is rarely the hacking. It is the notification, the forensics, the downtime and the lawyers afterwards.
Read moreReady for a app developer insurance quote?
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