# Overview

The Software Insurance product enables members to purchase insurance against their software development expense. 

We designed this product as a result of hundreds of horror stories we heard from our members about previous software development stories. When spending a substantial amount of company time and money, we believe there should be insurance in place to protect in case something goes wrong. 

The insurance costs $99 per month in premiums. There is only one rate for all members and no application is needed to participate. 

After 3 months of paying premiums, members can submit a claim in the platform. Payouts are given in the form of Hatch Apps marketplace credit. Credit can only be used within the platform, and not transferred for cash or other assets. 

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