Business insurance for Web developers

As a web developer, insurance might make you think of keeping your expensive equipment safe. But when you’re working on expensive contracts with clients relying on your specialised knowledge, skills and advice, there’s a lot more at stake than just the tech you use. Business insurance protects you if anything goes wrong with your work, and takes into account other risks like cyber attacks and data breaches too. So if things take an unexpected turn, you know you’ve got the support in place to get you through it.

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Insurance for web developers – why it matters

Whether you work front end or back, your clients put a lot of trust in you. They generally don’t have the knowledge to understand what you do, so they rely on you to lead the way. While you’re used to dealing with this level of responsibility, even the most skilled programmers can make mistakes. Dealing with confidential data, complex systems and customer-facing online platforms, you need to know you’re protected in case something goes wrong. Hiscox will put together an insurance package tailored to the risks web developers face, keeping your equipment, reputation and your business safe.

Why web developers need insurance

Unhappy clients

Problem solving is second nature to you and tackling complex challenges is something you do every day. But one small coding mistake could see an ecommerce site go down for days, or an error in judgement could lead a project to overrun causing serious issues for your client. Any mistakes in your work could result in a claim of negligence being brought against you, which is likely to be expensive to defend or settle. If this happens we’ll be there to help. 

Technical difficulties

High tech occupations can be damaged by low tech accidents – a friend could just knock a cup of coffee over your laptop, or you could get off the train in a hurry, your thoughts elsewhere, and leave your kit on the luggage rack. Being without your equipment is likely to impact your business, leading to project delays, disgruntled clients and financial issues when it comes to replacements. If you find yourself in this situation, we’ll pay for repairs or new equipment, so you can get back to work as soon as possible.

Cyber crime

When you’re working with vulnerable systems and you’re trusted with your clients’ most valuable online assets, it’s vital to consider the threat of cyber crime. If your client’s system is hacked while you’re working on it, you could be held responsible, so it pays to know you’re protected. Our cyber cover means that if any kind of data breach takes place, we’ll be there to handle the costs associated with the incident, helping to keep disruption to a minimum.

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If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for web developers

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These are just some of the types of business insurance for web developers 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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