Web & App Development Insurance Coverage Checklist
The coverages a web & app development business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for web and app developers and agencies. Priorities reflect typical exposure; confirm against hosting and e-commerce work.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Technology E&O | Covers client claims over late, defective, or failed projects. | Core | |
| Media / IP Liability | Covers claims over images, fonts, code, and content used in client work. | Prevalent | |
| Cyber Liability | Covers breaches of client credentials and hosted sites. | Core | |
| Commercial General Liability | Covers bodily injury and property damage; often required by clients. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for accessibility and content claims. Thousands of website accessibility suits are filed each year, and businesses often seek indemnity from the developer who built the site; many E&O policies are unclear on ADA-related claims. Developers should confirm coverage, state accessibility responsibility in every contract, test against WCAG before launch, and keep license records for images and fonts.
Send us the checklist and we'll review your web & app development coverage line by line, then market it across multiple carriers that compete for your account.
Related: Web & App Development Insurance · Web & App Development Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a web & app development business need?
The core coverages for a web & app development business are Technology E&O, Cyber Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my web & app development coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.