IT liability insurance for IT providers and game developers
When you build software, manage systems or develop games, a single bug, outage or data breach can cost your clients money, and they may look to you to pay. IT liability insurance combines professional indemnity with public and products liability in one policy, built for technology businesses. We arrange cover for software developers, IT consultants, managed service providers, web developers and video game studios across Australia.
Risks IT providers and game developers face
- Software errors or bugs that cause a client financial loss
- Projects delivered late or not meeting the agreed specification
- Data breaches, ransomware or outages affecting client systems
- Claims of copyright or trade mark infringement in code, art or music
- Damage to client equipment or premises while working on site
- Contracts that require specific insurance limits before you start
What IT liability insurance usually includes
Professional Indemnity Insurance
The heart of IT liability, covering claims that your advice, software or services caused a client financial loss, including many intellectual property claims.
Cyber Insurance
Incident response, data recovery and business interruption if your own systems are attacked, plus liability if client data is compromised.
Public Liability Insurance
Public and products liability for injury or property damage, including when you work at client premises or supply hardware.
Business Package Insurance
Cover for laptops, servers, dev kits and office contents, plus business interruption if you can't trade.
What to check before you buy
Policy wordings for technology businesses vary a lot. Check whether intellectual property infringement is covered (patent claims are often excluded), whether work for clients in the United States or Canada is included, and how the policy treats liability you've accepted under contract, such as broad indemnities or uncapped liability clauses. Game developers should also review publisher and platform agreements, which often require specific insurance and warranties about the content and code you deliver. As with all professional indemnity, IT liability is usually written on a claims-made basis, so continuous cover matters.
Why work with a broker?
Policies that look similar on price can differ a great deal in what they pay for. As your broker, we act on your behalf: we ask the right questions about your business, compare options, explain the fine print in plain language and support you through any claim, wherever you are in Australia.
Common questions
What is IT liability insurance?
IT liability insurance is a package designed for technology businesses. It usually combines professional indemnity, covering financial loss caused by your services or software, with public and products liability, covering injury and property damage. Many insurers offer it as one policy, with cyber cover available alongside.
Does IT liability cover intellectual property claims?
Many IT liability policies cover unintentional infringement of copyright and trade marks, which matters for developers using third-party code, art, music or fonts. Patent infringement is commonly excluded. We'll check exactly how your policy treats intellectual property.
Do video game developers need insurance?
Yes. Studios face claims about defects, missed milestones, intellectual property and content, and publishers or platforms often require professional indemnity, sometimes called errors and omissions cover, before signing. Equipment, cyber and public liability cover are also worth considering.
Is work for overseas clients covered?
It depends on the policy. Many insurers limit or exclude work for clients in the United States and Canada, or charge more for it. Tell us where your clients are based and where your software or games are sold so your cover reflects your markets.
Do I need cyber insurance if I already have IT liability?
Usually, yes. IT liability covers claims made against you by others. Cyber insurance covers your own costs if you're attacked, such as incident response, system restoration, ransom negotiation and lost income. Together they give much more complete protection.
How to get a quote
Getting a quote for your business is simple, and there is no obligation. Call Carly on 0497 100 469 or send an email with your business name and ABN, a short description of what you do, your approximate turnover and number of staff, a copy of your current policy schedule if you have one, and details of any claims in the last five years.
If your contracts or lease set specific insurance requirements, send those too.
We will ask a few questions about your operations, approach suitable insurers on your behalf and come back with options explained in plain language, including what is and isn't covered. Once you choose, we arrange your cover and send your documents, then review it with you at every renewal so your insurance keeps pace with your business.
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