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PUBLIC LIABILITY COVER BUILT AROUND SOFTWARE & DIGITAL WORK
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CLIENT VISITS & ONSITE WORK
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ACCIDENTAL INJURY TO OTHERS
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PROPERTY DAMAGE
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SHARED OFFICE & CO-WORKING
Why Software Developers Need Public Liability Insurance
Public liability insurance protects your business if a member of the public – including clients, visitors,
landlords or other tenants – suffers injury or property damage because of your business activities.
Even if most of your development work is remote or cloud-based, you may still visit client offices,
attend stand-ups and planning sessions, work in shared/co-working spaces, install or configure hardware,
attend conferences or host workshops. Many contracts and serviced office providers require evidence
of public liability insurance before granting access, especially where you are trading as a limited company.
What Does Public Liability Insurance Cover for Software Developers?
Protection when you interact with clients, suppliers and the public in person.
- Injury to visitors – for example, a client trips over your laptop cable in a meeting room.
- Damage to client property – such as spilling coffee on a client’s laptop or damaging office fixtures.
- Accidents at co-working spaces – incidents in shared offices, incubators or innovation hubs.
- Offsite meetings & workshops – client pitches, training days and user acceptance sessions.
- Events & conferences – exhibiting or speaking at tech events and meetups.
- Occasional hardware handling – where you connect devices, servers or testing equipment.
- Legal defence costs – if a covered claim is made against your business.
- Cover for employees – where public liability is combined with a wider business policy.
Common Public Liability Risks for Software Developers
- Trips over cables or equipment during onsite development or testing.
- Accidental damage to client laptops, monitors or meeting room equipment.
- Spillages on furniture, carpets or fixtures at client premises.
- Minor accidents in co-working spaces where your business is held responsible.
- Injuries or damage caused while setting up demo hardware or testing environments.
- Incidents at hackathons, user groups or community events you host or sponsor.
- Claims made by landlords or building management for damage during your tenancy.
- Issues arising when clients or partners visit your own office space.
Why Arrange Public Liability Cover Through Insure24?
- We understand the difference between software risk and traditional trades.
- Public liability tailored for software houses, SaaS teams & independent developers.
- Option to combine public liability with professional indemnity & cyber insurance.
- Flexible limits – often £1m, £2m, £5m or £10m, depending on client requirements.
- Policies structured for limited companies, sole traders and contractor PSCs.
- Fast documentation to send to clients, landlords and co-working providers.
- Access to UK insurers experienced in technology and digital businesses.
How to Arrange Public Liability Insurance for Software Developers
- 1. Tell us how your software team operates – remote, hybrid, office-based or on client sites.
- 2. Confirm whether you use co-working or managed office space.
- 3. Share any insurance requirements from landlords, clients or framework agreements.
- 4. We find suitable insurers who understand software and digital risk.
- 5. You receive quotes with clear public liability limits and optional combined covers.
Software & Digital Roles Covered by Public Liability Insurance
Suitable for a broad range of software and technology businesses.
Individual Developers & Contractors
- Freelance Software Developers
- Contract Software Engineers
- Mobile & Web Developers
- DevOps & Cloud Engineers (for on-site meetings)
- Technical Consultants & Solution Architects
- Technical Project Managers & Product Owners
Software & Digital Businesses
- Software Houses & Product Teams
- SaaS Providers
- Digital Agencies & Development Studios
- Startups in co-working or incubator spaces
- IT Consultancy Practices
- Managed Services & Support Providers
Our development team works from a co-working space and visits clients regularly. Insure24 set up public liability cover that satisfied both the landlord and our key enterprise clients.
Michael D., Software Agency DirectorFREQUENTLY ASKED QUESTIONS
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Do software developers really need public liability insurance?
If you ever meet clients in person, work in shared office space or have people visit your premises,
public liability is strongly recommended and often required by contracts or landlords.
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Is public liability the same as professional indemnity?
No. Public liability covers physical injury and property damage to third parties.
Professional indemnity covers financial loss due to mistakes in your software, code or advice.
Many software businesses choose to hold both types of cover.
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What public liability limit should a software developer choose?
Many clients and landlords require at least £1m or £2m. Larger contracts or serviced offices
sometimes stipulate £5m or £10m. We can help you match your limit to contract and lease obligations.
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Will my policy work for co-working or serviced offices?
Yes – we can arrange cover that satisfies typical co-working and serviced office requirements
and provide documents you can share with the operator or building manager.
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Can I pay monthly for public liability insurance?
Yes – monthly instalments are usually available via premium finance (subject to status), which
can help with cash flow for startups and small teams.