Business insurance for Web designers


As a web designer, you operate in a creative industry where deadlines are tight, and briefs can be subjective.

You put in hours of hard work, but unfortunately, things might not always go to plan. That’s why web designer insurance might be an important consideration for you.

With a comprehensive package of cover including polices such as professional indemnity, cyber insurance and equipment cover for both office-based and portable devices, web designers can be protected for a variety of circumstances.

Discover more about why a web design business might benefit from a tailored insurance package with Hiscox.

 

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Why choose Hiscox for your web designer insurance?


1

Buy online in minutesIt’s fast and simple to purchase your policy online and you’ll swiftly receive your documents via email
 

2

Tailored just for you

We work with you to design a policy that covers the unique risks web design professionals may face

3

Free expert supportIf you face a claim, our business cover includes access to free legal and PR experts

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Why do I need web designers’ insurance?


Unhappy clients

You’ve come to the end of a website redesign where the client made a major change to the brief halfway through, resulting in a challenging project. These amends caused the project to overrun, and the client believes the final product hasn’t lived up to expectations. A web designer insurance policy could help if a client argues that the work you’ve produced doesn’t deliver what they wanted and brings a claim against you, by helping with legal costs and compensation pay-outs.

Intellectual property

Another web designer declares a design you’ve produced for your client’s homepage banner to be their original work. Despite their assertion, you’ve never heard of them or ever knowingly seen their creative. Then, another client claims they are unhappy with your work and moves your project to another designer. When designing a client’s website, it could be a good idea to produce thorough and clear contracts to establish who owns the intellectual property. It may also help to have an insurance policy for this scenario, for unexpected plagiarism claims.

Technical problems

While integrating your client’s CMS into their refreshed website, your computer crashes. It’s not a quick fix and work has to stop while your machine is repaired – this puts your small business at risk of losing time, money and future work. Understandably, the client is unhappy with the delays. Web design insurance can help to cover the cost of repairs and replacements and it also assists with data recovery if anything is lost or stolen. With the right cover, you could quickly get back on track, hitting client deadlines.

What cover is included in insurance for web designers?


There are many other policies that might combine to create a comprehensive package of cover for a web designer including employers’ liability insurance, personal accident, legal protection and cyber cover.

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These are just some of the types of business insurance for web design firms that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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Insurance for web designers FAQs


Is insurance a legal requirement for web designers?

As a limited web design company with employees, you might be legally required to have an employers’ liability insurance policy in place. While it’s the only policy that could be required by law, there are others that might be considered important for your business.

Public liability insurance can cover you for many situations where you interact with members of the public. Meanwhile, professional indemnity can sometimes be a requirement of regulatory bodies – and clients might ask you to have a policy in place, too.

Would business insurance cover my past work?

A business insurance package including professional indemnity insurance can cover past work for a web designer. Keeping this cover in place from the moment you set up your business is necessary to be covered for past work – but switching provider doesn’t usually affect this. PI cover may be used for claims relating to events from any date within the period you have continuously held cover.

Professional indemnity insurance can provide cover for disputes, negligence claims or confidential data breached in relation to projects you’ve previously worked on.

Related articles and guides


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