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KeyboardIt makes sense that doctors and lawyers need professional liability insurance. But you work in the field of technology. You code software for a living and help companies work the software once it's coded. So, why would you need professional liability insurance?

In the world of coding, we all know that one little mistake can crash a program or cause significant damage. You are only human and the odds of never making a mistake are almost nonexistent. So, you need to protect yourself with professional liability insurance because of the following reasons.

  • If due to a coding error on your part, a client loses a significant amount of data or data is breached, then professional liability insurance can help you with legal costs and any fines you might be responsible for.

  • If a client contends that, as the software professional, you failed to do your duty by telling them what they needed to know, then professional liability insurance can assist you with the costs involved.

  • If due to an action on your part, the client's entire database has to be rebuilt and some hardware replaced, then you want professional liability insurance to help with those costs.

How is professional liability different than general liability? General liability only covers bodily injury and property damage. As you can see from the scenarios above, there is no bodily injury and no property damage. The damage is due mostly to job performance. 

Those differences are why independent insurance agencies offer you professional liability insurance on top of general liability. To cover both bodily injury/property damage, and to cover errors on your part that lead to claims. Look at your coverage today and ensure you have both general liability and professional liability.

Protect your livelihood. Call Reliable Insurance Managers at (713) 227-7283 for more information on Houston business insurance.

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