Why do I need web designers’ insurance?
What cover is included in insurance for web designers?
Professional indemnity insurance
Professional indemnity (PI) is generally considered a key insurance policy for web designers due to the nature of the industry. A client might decide to make a claim if they believe their reputation has been damaged or they’ve lost money because of the work you’ve carried out on their site. When things don’t go to plan, whether it’s you, someone else in your business or even a sub-contractor who’s made a mistake, a PI policy could help to deal with the cost of legal action and compensation claims.
Public liability insurance
When you’re planning web design projects with your clients, you might arrange meetings in their office, yours or even in a café. Your client could take action if they trip on a piece of loose carpet in your office, injuring their ankle, or if you accidentally knock their tablet off a table. Without the protection of public liability insurance, the costs associated with a claim could be damaging to a small business – a policy can cover legal costs, compensation and expenses.
Portable equipment insurance
Your laptop is an integral part of your web design business – this piece of equipment is the difference between you meeting and missing deadlines. You’re working during a train journey between meetings when the passenger next to you spills their coffee on your keyboard, rendering the laptop unusable. Having portable equipment insurance as part of your web designer insurance policy helps with the cost of repair or replacement, quickly getting you back to business.
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.
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.
Get your quoteInsurance 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
What insurance do I need as a freelancer?
As a freelance web designer embarking on a new venture, you might require new insurance – discover which policies you could need with this guide.
How much professional indemnity do I need?
The amount of insurance you get as a web designer could depend on your circumstances, learn how much professional indemnity cover you might need with this article.
Professional indemnity claim stories
Setting up a small business is a steep learning curve – in order to appropriately safeguard your venture, read these professional indemnity claim stories.