Business Insurance for Web Designers & Developers

Running a web design or development business? A tailored business insurance policy can help cover the common risks your business may face, from client disputes to data breaches. Whether you work solo or run a team, having the right web designer insurance is essential for peace of mind.

General Liability

Professional Liability

BPP

What's Recommended

Most web designers and developers carry a combination of policies to protect their business. Common coverages include:

General Liability Insurance: Covers third-party bodily injury and property damage.
Professional Liability (Errors & Omissions): Protects you from lawsuits arising from work mistakes or failure to deliver expected results.
Cyber Liability: Offers protection if sensitive client data is compromised or hacked.
Business Property Insurance: Covers your office equipment like computers and servers.

For example, a developer might face a professional liability claim if a website they built goes down, causing the client to lose sales. A cyber liability policy could help in the event of a data breach that exposes confidential client information.

General Liability Insurance (GL) for Web Designers & Developers

General Liability Insurance helps protect your business from common risks like third-party property damage, personal injury, or legal claims.

Here’s what General Liability insurance typically covers:

Each Occurrence: Provides coverage for incidents like a client tripping in your office or damaging equipment during a meeting.
Damage to Rented Premises: If you're renting office space and accidentally damage the property, this part of your insurance steps in.
Medical Expenses: Covers medical costs if someone is injured on your premises.
Personal and Advertising Injury: Helps if you're accused of copyright infringement or defamation due to your promotional content.
General Aggregate: The total amount your insurance will pay in a policy year.
Products/Completed Operations: If a product you create causes damage after it’s completed, this covers resulting legal claims.

Professional Liability Insurance for Web Designers & Developers

Also known as Errors & Omissions (E&O) insurance, this coverage protects you if a client claims that your work caused them financial loss. Even the most skilled developers or designers can face disputes over missed deadlines, website bugs, or unmet expectations. Professional Liability steps in to cover legal fees and any settlements, helping you avoid crippling costs.

Example: Let’s say you design an e-commerce site, but there’s a flaw in the checkout system, causing your client to lose sales. They sue you, claiming negligence. Professional Liability insurance covers your legal defense and any payout, letting you focus on fixing the issue without losing your shirt.

Cyber Liability Insurance for Web Designers & Developers

If you handle sensitive client data or create websites with login credentials, payment info, or customer data, Cyber Liability Insurance is a must. It covers the costs related to data breaches, cyberattacks, or other digital threats. This could include legal fees, customer notification costs, or even ransom payments.

Example: Imagine a hacker breaches the security of a website you’ve developed, exposing client data. Cyber Liability insurance helps you cover the costs of responding to the breach, including notifying affected customers and legal defense if the client sues for damages.

Business Personal Property (BPP) Insurance for Web Designers & Developers

Your gear is your livelihood—computers, monitors, external hard drives, and other equipment that keeps your projects moving forward. BPP Insurance protects this stuff from risks like fire, theft, or damage. If something happens to your workspace or equipment, BPP coverage will help you replace your tools without disrupting your business.

Example: You walk into your office one morning and find that a pipe burst, damaging your computer and other gear. With BPP insurance, the cost of replacing your equipment is covered, meaning you can get back to work quickly without a major financial hit.