The Hartford earned our top spot for the best small business insurer for computer programming companies due to its affordability and coverage. However, we recommend comparing quotes from our other top picks, including NEXT, Simply Business and Coverdash.
Best Computer Programming Business Insurance
We found that The Hartford, NEXT and Simply Business provide the best and cheapest business insurance options for computer programming companies.
Discover affordable business insurance for computer programming businesses below.
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Updated: August 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford is the best business insurance company for computer programming firms because it offers the greatest balance of affordability and coverage.
The Hartford offers competitive commercial insurance rates for computer programming businesses, leading in professional liability coverage.
To shop for business insurance for your computer programming business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.
Best Business Insurance for Computer Programming Companies
| The Hartford | 96 | 98 | 91 |
| NEXT Insurance | 95 | 95 | 94 |
| Simply Business | 91 | 91 | 83 |
| Coverdash | 89 | 90 | 83 |
| Progressive Commercial | 89 | 93 | 81 |
| biBERK | 89 | 88 | 91 |
| Hiscox | 89 | 92 | 87 |
| Nationwide | 88 | 84 | 91 |
| Thimble | 87 | 90 | 81 |
| Chubb | 85 | 80 | 87 |
*All scores were based on a computer-programming business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. The Hartford
pros
Lowest professional liability rates
Strong across all policy types
AM Best A+ rated insurer
cons
Fewer digital tools than peers
COMPANY HIGHLIGHTS
The Hartford is the best overall pick for computer programming businesses, offering the lowest rate for professional liability at $94 per month. It also ranks highly for general liability and BOP affordability, making it a strong all-around option. Backed by an A+ rating from AM Best, The Hartford is known for dependable claims handling and broad policy coverage. It’s especially suited for firms managing large client accounts or project-based contracts.
2. NEXT
pros
Low general liability pricing
Strong customer service score
Fast, fully digital platform
cons
Limited enterprise-scale coverage
COMPANY HIGHLIGHTS
NEXT is a great fit for freelance developers and small programming teams. It ties for the lowest general liability rate at $17 per month and remains competitive across all core policies. Its streamlined online experience and highly rated customer platform make it ideal for tech-savvy founders. While NEXT may not meet the complex needs of larger firms, it's an excellent value for startups and remote developers.
3. Simply Business
pros
Competitive rates across coverages
Access to multiple carriers
Strong general liability pricing
cons
Service varies by partner carrier
COMPANY HIGHLIGHTS
Simply Business offers excellent value for computer programmers who want affordable coverage with flexible options. It ties for the lowest workers' comp pricing at $13 per month and remains highly competitive for general liability and BOP plans. As a broker, it connects business owners to a wide range of insurers, making it easier to compare quotes in one place. While customer service depends on the matched carrier, Simply Business is ideal for small programming teams looking to customize coverage with ease.
Cheapest Business Insurance for Computer Programming Firms
Our study shows competitive rates across providers, with different insurers leading in different coverage types. This applies to computer programming companies with two employees. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Computer Programming Companies
With an average monthly rate of $17, biBerk and NEXT offer the lowest-cost general liability insurance for computer programming companies. Even so, consider getting quotes from the next-most-affordable insurers: The Hartford and Nationwide.
| biBERK | $17 | $201 |
| NEXT Insurance | $17 | $202 |
| The Hartford | $18 | $212 |
| Nationwide | $20 | $237 |
| Progressive Commercial | $21 | $255 |
| Simply Business | $21 | $246 |
| Hiscox | $23 | $279 |
| Thimble | $24 | $294 |
| Chubb | $26 | $314 |
| Coverdash | $34 | $406 |
Cheapest Workers' Comp Insurance for Computer Programming Companies
For computer programming businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $12 per month or $145 yearly. However, you may find more affordable rates with Simply Business, Progressive Commercial, biBerk and NEXT.
| Thimble | $12 | $145 |
| Progressive Commercial | $13 | $157 |
| Simply Business | $13 | $162 |
| biBERK | $14 | $171 |
| Coverdash | $14 | $166 |
| Hiscox | $14 | $162 |
| NEXT Insurance | $14 | $169 |
| The Hartford | $14 | $165 |
| Nationwide | $15 | $182 |
| Chubb | $16 | $195 |
Cheapest Professional Liability Insurance for Computer Programming Companies
The Hartford offers the most affordable professional liability insurance options for computer programming companies, with low average monthly rates of $94. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Simply Business.
| The Hartford | $94 | $1,129 |
| NEXT Insurance | $98 | $1,174 |
| Progressive Commercial | $100 | $1,202 |
| Hiscox | $103 | $1,231 |
| Simply Business | $103 | $1,241 |
| Thimble | $104 | $1,253 |
| Coverdash | $105 | $1,260 |
| biBERK | $107 | $1,286 |
| Nationwide | $112 | $1,348 |
| Chubb | $122 | $1,461 |
Cheapest BOP Insurance for Computer Programming Companies
biBerk provides the most affordable business owner's policy (BOP) coverage for computer programming companies, with an average yearly cost of $262 for bundled general liability and property protection. That's a savings of roughly $6 annually compared to The Hartford, the second most affordable option.
| biBERK | $22 | $262 |
| The Hartford | $22 | $268 |
| NEXT Insurance | $24 | $293 |
| Nationwide | $30 | $357 |
| Simply Business | $31 | $371 |
| Progressive Commercial | $32 | $381 |
| Hiscox | $35 | $421 |
| Thimble | $38 | $455 |
| Chubb | $39 | $470 |
| Coverdash | $49 | $588 |
What Type of Coverage Do You Need for a Computer Programming Business?
Companies with employees need workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. You might also need a surety bond in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED COMPUTER PROGRAMMING BUSINESS COVERAGE
We recommend general liability insurance for computer programming companies because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. It’s particularly helpful for computer programming businesses with commercial contracts or high-risk jobs, like technical, legal, or customized services.
How to Get the Best Cheap Business Insurance for Your Computer Programming Company
Here's a step-by-step method for finding the best and cheapest business insurance for your computer-programming company.
- 1
Decide on coverage needs before buying
Think about what could go wrong in your computer programming business, get advice from similar businesses, talk to agents and research the types of business insurance. This helps you understand your coverage needs and prevents you from buying excessive coverage.
- 2
Research costs
Research average costs for your business profile and find which providers offer the cheapest rates overall. This gives you a benchmark for how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums to get a better look at company services. Also, check coverage options to make sure you're covered for the right items, both now and as your business grows.
- 4
Compare multiple quotes through different means
The best way to find a good deal is to compare multiple quotes for the same coverage. Pricing varies by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business will change, affecting your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Computer Programming Business's Liability Risk
Lowering your risk of claims is one of the most effective ways to manage insurance costs. Below, you'll find practical risk-reduction strategies based on your computer programming business type.
Computer Programming Business Risk Type | Included Types of Programming Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Custom software development firms with client hosting, fintech developers, government contractors | Use client contracts with indemnity clauses and limitation of liability. Implement multi-layered security protocols and encryption. Maintain cyber liability, professional liability, and E&O coverage. Conduct code audits and vulnerability testing regularly. |
High | API developers, SaaS startups, health tech platforms, enterprise integration vendors | Maintain secure coding standards and comply with industry regulations (e.g., HIPAA, PCI-DSS). Use source control and documented change logs. Purchase BOP with cyber and tech E&O endorsements. Set clear project scopes and deliverables. |
Moderate | Freelance developers, web developers, plugin/theme creators, IT consultants | Use client approval checkpoints to reduce revision conflicts. Disclose third-party code usage. Maintain contracts and SOWs. Carry professional liability and general liability coverage for scope disputes and service delays. |
Low | Internal development teams, open-source contributors, instructional coding platforms | Limit external client exposure. Implement internal bug tracking and backup protocols. Use disclaimers for education content. Carry general liability and optional cyber coverage to protect against accidental data exposure. |
Best Insurance for Computer Programming Business: Bottom Line
The Hartford is the best insurer for computer programming business insurance, with competitive rates across coverage types. We also recommend getting quotes from NEXT and Progressive Commercial. For the best deal, talk to agents, research providers and pricing and compare multiple quotes side by side.
Computer Programming Business Insurance: FAQ
Below, we answer common questions about business insurance for computer programming companies.
Who offers the best computer programming business insurance overall?
The Hartford is the leading choice for business insurance for computer programming companies, with a MoneyGeek score of 96 out of 100, highlighting its customer service excellence. NEXT Insurance closely follows with an impressive score of 95.08.
Who has the cheapest business insurance for computer programming companies?
Here are the cheapest business insurance companies for computer programming businesses by coverage type:
- Cheapest general liability insurance: biBERK and NEXT Insurance at $17 per month
- Cheapest workers' comp insurance: Thimble at $12 per month
- Cheapest professional liability insurance: The Hartford at $94 per month
- Cheapest BOP insurance: biBERK at $22 per month
What business insurance is required for computer programming organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for computer programming businesses, with requirements varying by state. While not legally mandated, general liability insurance and surety bonds are effectively required by most commercial clients and property leases.
How much does computer programming business insurance cost?
Business insurance costs for computer programming companies depend on factors like team size, contract type and whether you're client-facing. Here are the average monthly costs for commonly purchased policies:
- General liability: $22 per month
- Workers comp: $14 per month
- Professional liability: $105 per month
- BOP insurance: $32 per month
How We Chose the Best Computer Programming Business Insurance
We selected the best business insurer for computer-programming companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- NEXT. "Customer Reviews." Accessed June 16, 2025.