Computer & Design Services Insurance

It depends on the work you do (development, IT, or design), your revenue, and where you work. The quote you see online is the real price, not an estimate we revise later.

E&O can cover a client's financial loss when your work falls short, like a bug, a missed deadline, or a project that didn't deliver. Cyber can cover what happens when your own systems or the data you hold are breached or locked by ransomware. Many tech pros carry both.

Depending on where your business is located and the work that you do, coverage limits available to you range from $50,000 to $1,000,000.

Your first COI is emailed the moment your payment clears. After that you can issue a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.

Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.

Claims-made coverage responds based on when the claim is first made against the insured and reported to the insurer - not necessarily when the underlying error, omission, or injury occurred. For coverage to apply, the claim must generally be made and reported during the policy period, arise from an act occurring on or after the retroactive date, and fall within the policy’s terms and limits.

Usually, yes. A homeowner's policy won't respond to a business claim, and a solo developer or designer faces the same professional liability claims a larger agency does. Most enterprise clients require it in writing before you begin work.

Yes. Pay the annual premium up front, or spread it across monthly installments at checkout. Either way, coverage starts as soon as the first payment is confirmed.