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Why GDPR Fines Aren’t Insured — and What Is Covered Instead
The short version
If your business suffers a GDPR breach, you might assume your insurance will “pay the fine.” In most cases, it won’t. That’s not insurer…
Insurance for Software Bugs: What Counts as Negligence?
Software bugs are inevitable. What isn’t inevitable is the fallout: lost revenue, customer claims, regulatory scrutiny, and reputational damage. When something breaks, the big question quic…
What Happens When Software Causes a Financial Loss for a Client?
Software runs payroll, processes payments, manages inventory, calculates tax, triggers trades, and controls access to sensitive data. When it goes wrong, the impact can be immediate and …
Top Claims Directors of Software Companies Face (and How to Reduce Them)
Software businesses don’t usually think of themselves as “high claims” organisations. There are no forklifts, no scaffolding, no public-facing shop floor. Yet s…
Why Tech Startup CEOs Often Get Sued (and How to Reduce the Risk)
Tech startup CEOs move fast: they hire quickly, ship products, raise money, sign contracts, and make big promises to customers and investors. That speed is often the advantage. It&rsquo…
Situations Where Tech Workers Accidentally Cause Injury or Damage
Tech work is often seen as “safe”: laptops, cloud tools, and remote meetings. But in real businesses, tech workers still interact with people, equipment, buildings, and data…
Do Software Developers Really Need Public Liability Insurance?
Software developers don’t usually picture themselves as “high-risk” businesses. You’re not operating heavy machinery, you’re not working at height, and you&rs…
Does Cyber Insurance Cover Ransomware Payments?
Ransomware has become one of the most disruptive cyber threats facing UK businesses. It can lock you out of critical systems, halt trading overnight, and put sensitive customer or employee data at risk. …
The True Cost of a Data Breach for UK Software Companies
A data breach isn’t just an “IT problem” — for UK software companies it can become a full-business crisis that hits revenue, reputation, operations, and leadership time a…
How a Cyber Attack on Your SaaS Platform Could Lead to Claims
Introduction
If you run a SaaS platform, you’re not just selling software—you’re taking responsibility for customer data, uptime, and business-critical workflows. A cyber…
PI Insurance for Software: What Isn’t Covered?
Professional Indemnity (PI) Insurance is often described as “cover for mistakes.” For software businesses, that’s broadly true — but it’s also where many misunderstandi…
Top 10 Reasons Software Companies Face PI Claims
Software businesses live and die by trust. Clients rely on you to deliver working systems, protect data, hit deadlines, and provide advice they can act on. When something goes wrong, the financial impac…
Real Examples of Software PI Claims (UK): What Actually Goes Wrong — and How to Protect Your Business
Software and IT services are built on trust. Your client trusts that your code will work, your advice will be correct, your implementation will…
Insurance Requirements for Penetration Testing Companies (UK Guide)
Penetration testing (pen testing) companies sit in a high-trust, high-risk corner of the cyber security world. You’re hired to probe systems, exploit weaknesses, and prove what …
Client Data Breach Claims Against Cybersecurity Providers: A Comprehensive Guide
Introduction
Cybersecurity providers occupy a critical position in the modern business landscape. They're trusted to protect sensitive client data, systems, and infrastruc…
Why Cybersecurity Firms Are Held to Higher Legal Standards
Introduction
Cybersecurity firms operate in a uniquely demanding legal landscape. Unlike many other professional service providers, they face heightened scrutiny from regulators, courts, and cl…
Cyber Liability vs Cybersecurity E&O — What's the Difference?
In today's digital landscape, cyber threats are evolving faster than ever. Businesses of all sizes face unprecedented risks—from data breaches to ransomware attacks to system …
Insurance Requirements in Seed vs Series A Funding Rounds
When startups embark on their funding journey, most founders focus heavily on perfecting their pitch deck, building financial projections, and securing investor meetings. However, one critical el…
Startup Growth Risks: Scaling Software Without Liability
Introduction
Scaling a software startup is exhilarating—new customers, growing revenue, expanding teams, and the promise of market dominance. But rapid growth without proper risk management…
Why Investors Expect Startups to Hold PI & Cyber Insurance
When you're pitching to investors, they're not just evaluating your business model, market opportunity, or team credentials. They're also assessing risk—and one of the most telling sig…
Insurance Every Tech Startup Should Buy Before Fundraising
When you're preparing to raise capital, investors scrutinize every aspect of your business—including your risk management strategy. One critical oversight many tech startups make is undere…
Biggest Legal Risks for IT Consultants in 2025
The IT consulting landscape has evolved dramatically over the past few years, and with it, the legal and regulatory environment has become increasingly complex. As an IT consultant in 2025, you're navigatin…
Contractor Insurance Requirements When Working Outside IR35
Introduction
The IR35 legislation has fundamentally changed how contractors operate in the UK, creating a complex landscape where understanding your insurance obligations is crucial. For contr…
Why Even Freelance IT Consultants Need Cyber Insurance
Introduction
Freelance IT consultants operate in a unique position within the digital landscape. You're trusted with sensitive client data, access to critical systems, and responsibility for mainta…
Professional Indemnity vs Public Liability for IT Consultants
Introduction
As an IT consultant, you navigate a complex landscape of risks every single day. From advising clients on system architecture to implementing critical infrastructure changes, yo…
Client Data Risks for Software Development Agencies: A Comprehensive Guide
Introduction
Software development agencies operate in an increasingly complex digital landscape where client data protection has become a critical business responsibility. As ag…
How to Protect Yourself When Working Under Fixed-Price Contracts
Fixed-price contracts can be attractive for both service providers and clients. They offer clarity on costs and budgeting certainty, but they also come with significant risks—particu…
Insurance for Software Implementation Errors: What's Covered?
Software implementation projects are complex undertakings that can go wrong in countless ways. When a new system fails to deliver promised results, crashes critical business operations, or ca…
Why Custom Software Projects Fail — and Who Pays?
Custom software projects are supposed to solve problems. Yet statistics paint a sobering picture: between 50-70% of custom software projects fail to meet their objectives, exceed budgets, or are ab…
The Hidden Financial Risks of Developing Mobile Apps
Mobile app development has become a cornerstone of modern business strategy. Companies across every sector—from retail to healthcare, finance to entertainment—are investing heavily in mobi…
App Store Contracts & Insurance Requirements for Software Companies
Introduction
Software and app development companies operate in a fast-paced, high-risk environment where a single vulnerability, data breach, or contractual dispute can result in s…
Do App Developers Need Cyber Insurance? – Comprehensive Guide
Introduction
App development is a thriving industry, but it comes with significant risks that many developers overlook. Whether you're a freelance developer, part of a small developmen…
Insurance for App Bugs: What Happens If Your App Causes Loss?
In today's digital landscape, software applications are the backbone of countless businesses. From e-commerce platforms to financial management tools, mobile apps to enterprise software, busi…
Data Storage & Cloud Risks for SaaS Businesses: A Comprehensive Guide
SaaS (Software-as-a-Service) businesses operate in the cloud by design, making data storage and security central to their operations. Yet many SaaS companies underestimate the uni…
SaaS Availability Failures: Can Insurance Cover Downtime?
Introduction
Software-as-a-Service (SaaS) has fundamentally transformed how businesses operate. From project management tools to accounting software, customer relationship management systems to …
Why Every SaaS Business Needs Professional Indemnity Insurance
Introduction
The Software-as-a-Service (SaaS) industry has revolutionized how businesses operate, offering scalable, cloud-based solutions that eliminate the need for expensive on-premise i…
Top Risks SaaS Companies Face (and How Insurance Covers Them)
Software-as-a-Service (SaaS) companies operate in a fast-paced, high-stakes digital landscape where innovation meets vulnerability. Unlike traditional software businesses, SaaS providers mana…
How Much Does Software Company Insurance Cost in the UK?
Software companies face unique risks in today's digital landscape. From data breaches to professional liability claims, the right insurance protection is essential. But how much should you expect …
Do You Need Insurance If You Only Develop Software Remotely? – Complete Guide
Introduction
The remote software development landscape has transformed dramatically over the past five years. What was once considered a niche working arrangement is no…
How Insurance Helps Software Companies Win Bigger Clients
Introduction
In today's competitive software landscape, landing enterprise clients isn't just about having the best product or the most competitive pricing. Large organizations have evolved thei…
Software Company Contracts: Insurance Clauses You Must Understand
When you're running a software company, contracts are everywhere. You're signing them with clients, vendors, partners, and employees. But buried within those dense pages of legal jargon a…
Why UK Software Companies Face Higher Liability Risks in 2025
The UK software industry is booming. From fintech startups to established enterprise software providers, British tech companies are innovating at pace and competing on the global stage. Yet b…
What Insurance Does a Software Company Need? (Complete UK Guide)
The UK software industry is thriving, with businesses ranging from solo developers to multinational corporations creating innovative solutions that power modern commerce, healthcare, educa…
Common Insurance Mistakes Software Startups Make
When you're launching a software startup, insurance probably isn't top of your priority list. You're focused on product development, securing funding, and building your user base. But overlooking insuranc…