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Essential coverages to meet client demands
Professional Liability is a special type of insurance that provides protection if your professional service caused losses to your client. These could be financial harm due to the mistakes you've done or because you failed to provide the promised services. If you offer consultation services of any sort this is a good idea.
General Liability insurance protects your computer programming business from a variety of claims including property damage, third-party bodily injury, advertising mistakes and other covered incidents that can arise from your business operations.
Whether you own or lease, Commercial Property insurance is business property self-defense. It will protect your business property from the perils of fire, theft, vandalism or any type of natural disaster. It insures your business against the damage to the building and its contents. It also can cover the loss of income or increased expenses that results from property damage.
As a computer programming service, you face the same risks as a regular brick-and-mortar business, particularly if you offer consulting services. Your services, especially computer programs, rely on the systems your business develops to run smoothly. If your program fails, or doesn't meet your client's expectations, you could be the target of lawsuits. An insurance policy will cover defense costs, court fees and other legal expenses. Without insurance, this will come from your pocket. Any business can be crippled financially without an insurance.
Computer programming businesses make, debug or maintain programs for clients. They also offer consultation services to help clients find the right programs. When a program fails, like a payroll program pays out too much, you'll be faced with lawsuits that could cost millions of dollars in punitive damages. Other risks include:
These are just a few of the many risks a computer programming services can face.
The cost of insurance for computer programmer varies based on several factors. The policy provider will determine the type of services you do, the number of employees you have and the amount of insurance you need before they'll provide you with a quote for the monthly cost of your insurance.
To get a free quote for your insurance, apply online or call our service representatives.
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