Why do web developers need insurance?
Problem solving is second nature to a freelance developer and you encounter complex scripting challenges every day. However, one small Python error as part of a split testing project causes disruption to a lucrative ecommerce site. You fail to notice the problem for a few days, in which time client revenue is lost. Should claims of negligence be brought against you in scenarios like these, your web developer policy can assist with both defence and settlement if professional indemnity insurance is included.
There’s always the chance high tech occupations can be impacted by human error. Coffee might be spilled over your laptop, or you could get off the train in a hurry and forget your kit. Being without equipment is likely to affect your work, leading to project delays, client complaints and financial headaches. Tailor your web developer insurance to safeguard your kit and we’ll assist with paying for repairs or new equipment, so you can hit your deadlines.
While working with client databases as part of server-side scripting, you’re trusted with your clients’ most valuable online assets – it can be important, therefore, to consider the threat of cybercrime. What would happen if your client’s systems were to be hacked as you work in their server? You may be held responsible and face legal action. Cyber cover with Hiscox can help your business manage the costs associated with a data breach or cyber attack and help to keep disruption to a minimum.
What insurance is available for web developers?
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.Build my cover
Insurance for web developers: FAQs
Do I need liability insurance?
Both public liability insurance and employers’ liability cover can assist a web developer in a variety of circumstances as anyone can make a claim against you.
There will be occasions where you might need to have meetings with clients or travel in a business context. If someone claims they’ve been injured or experienced property damage because of your business, public liability can provide protection.
In addition, employers’ liability insurance is a type of cover that may be required by law (external link) as soon as you bring on any employees. This cover protects your business from the financial impact of claims made by employees around injuries and work-related illnesses.
Do you cover me for web design and development?
Yes, we understand that a web developer may work beyond this specialism to cover website design, so our insurance can be flexible to work with your choices.
For instance, you may solely focus on back-end development, front end design and interfaces or actually combine the two as a full-stack developer.
To ensure your business is covered for what it is your role entails, you simply need to tell us what this means when you generate a quote. We’ll work together with you to tailor an insurance policy with appropriate types of insurance to cover your development business.
How much does web developer insurance cost?
Small business insurance for web developers starts from £8.40 a month* with Hiscox, however, this will depend on the extent of your cover and the policies you opt to include.
As a self-employed web developer, it might pay to tailor a comprehensive policy to help protect your livelihood from the unexpected.
*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between October 2022 and September 2023
Related articles and guides
Software developer claim story
Hiscox customer, software developer Chris, faced legal action for sub-standard website work and leant on his professional indemnity insurance to help – read his claim story here.
Balancing business and creativity
Watch industrial designer and partner at Pentagram Jon Marshall’s advice for balancing business and creativity in this Unskippable Minute video.
How to manage risk in marketing
As a web developer, you work in the creative sphere which can come with its challenges – discover how to manage risk in marketing, advertising and communications with this guide.