What is excluded?

Most policies will exclude claims in the USA and Canada, so be mindful as to whether you permit US or Canadian clients, or sign contracts that are subject to USA or Canadian law. Some insurers will also restrict cover the UK claims only. Policies can typically be easily extended to include USA and Canadian courts protection for an additional premium.
Patents – it unusual for software to be subject to patents, but mindful that patent related claims from third parties are often excluded.
Deliberate acts, dishonest or fraudulent acts are usually excluded unless committed by an employee without the knowledge of senior management.
Commercial disputes – disputes which are purely commercial in nature and not linked to your supply or service provision. For example, a commercial dispute with a supplier. Disputes with client are usually covered especially if they allege your business has been negligent or breached a contract

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