Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK app developers — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
App development work increasingly crosses borders — US clients, app stores based overseas, and cloud infrastructure spanning multiple jurisdictions — and your cover needs to reflect the contracts you actually sign, not just the coding itself.
Client contracts — particularly from US or larger enterprise clients — can include uncapped indemnities, unusually long liability tails, or liability caps that don't match your PI limit. Insurers expect your contractual obligations to be reasonable and to sit within what your policy will actually respond to; an unchecked contract clause can leave a real gap.
Standard UK professional indemnity often covers worldwide work but excludes the USA and Canada by default, because of their different legal systems and higher typical damages. If you take on US, Canadian or other overseas clients, tell your insurer — an undeclared US contract is one of the more common reasons a claim gets disputed.
Apple and Google both enforce their own review standards around data handling and privacy disclosures, on top of UK GDPR obligations for any personal data your app processes. A rejected app or a data protection complaint can both delay a client's launch and form the basis of a claim against you.
A defect that causes a client's app to crash, lose user data, or fail during a peak trading period can lead to a claim that your error caused direct financial loss — distinct from a general dissatisfaction complaint about the build.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers legal costs and compensation if a client or third party is injured or has property damaged as a result of your business activities.
Covers claims of negligence, errors or bad advice. Essential if you provide professional services, advice or designs to clients.
Legally required if you employ anyone. Covers employee injury or illness claims. Minimum £5 million cover by law.
Covers business equipment, tools, cameras and specialist kit against theft and accidental damage — at your base and on the move.
Replaces lost income if your business is unable to operate due to an insured event. Covers ongoing fixed costs during recovery.
Covers legal costs for contract disputes, debt recovery, HMRC investigations and employment tribunal defence.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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