You aim to build fantastic websites for your clients, but unexpected events can put a wrench in your plans. Web designer insurance guards against losses and expenses related to data breaches, accidental copyright infringement, injuries, and other risks.
Insureon helps web and UX / UI designers compare insurance quotes from top U.S. providers online. Fill out one application to get multiple quotes.
A licensed insurance agent will make sure you get the right liability coverage to meet insurance requirements and protect your business.
These insurance policies cover common risks faced by website, UX and UI design businesses.
Tech E&O insurance, also called professional liability, covers legal expenses related to a web designer’s work. It can be paired with intellectual property and media liability coverage.
A cyber liability insurance policy helps web and UX / UI designers survive data breaches and cyberattacks. It's recommended for any business that handles sensitive information.
General liability insurance covers basic third-party risks that can affect any web designer. Bundle it with commercial property insurance for savings in a business owner’s policy (BOP).
This bond, also called an employee dishonesty bond, helps web design companies compensate clients for employee theft. It's often required by client contracts.
Most states require workers' comp for web design businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
A commercial auto policy covers property damage and legal expenses in accidents involving company vehicles. Most states require it for business-owned vehicles.
A web designer working on their own will pay less for insurance than a small tech company.
Factors that affect web designer insurance premiums include:
It's easy to get web design insurance or web developer insurance if you have your company information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. providers to find insurance coverage that fits your web design business, whether you work independently or hire employees.
Hear from customers like you who purchased small business insurance.
Review answers to frequently asked questions (FAQs) about website designer insurance and more.
Web design small business owners may think their business is safe from risks for various reasons. But even a small lawsuit can lead to significant financial losses for your company, whether you're just starting your business or are well established.
Here’s a closer look at some key insurance products and why you should carry them:
Depending on your business operations and where you're located, some policies may be required by law. For example, workers' compensation and commercial auto insurance may be required for some web designers depending on the state you live in. Even when not required, website design firms can protect their investments and qualify for contracts and leases by carrying the right insurance coverage.
Typically, web and UX design businesses will apply for general liability insurance first. This policy helps cover common business risks such as customer injuries, damage to a customer’s property, and advertising injuries.
Freelance designers are vulnerable to the same exposures and lawsuits as larger businesses, and even have their own unique risks. This is another reason why you should consider freelance web design insurance, even if some insurance requirements don't apply to you.
For example, if you don't have employees, you're not mandated to carry workers' compensation. However, it's still good to have since personal health insurance is unlikely to cover work-related injuries or illnesses. Additionally, if you don't have a business-owned vehicle, you're not required to have commercial auto. But, if you drive a personal vehicle for work purposes, then you should have hired and non-owned auto (HNOA) insurance.
In order to accept certain contracts, you may need to have a fidelity bond, which reimburses the client if one of your employees commits fraud, theft, or forgery.
Like most technology-focused businesses, web designers aren't required by law to carry professional indemnity insurance. However, it should be a key component of your risk management plan.
Professional indemnity insurance, also called professional liability insurance or errors and omissions (E&O) insurance, protects you in the event a client files a lawsuit against your website design company for an error, mistake, or professional negligence.
You can bundle professional liability insurance for web designers with cyber insurance into a technology professional liability policy, which is more commonly referred to as tech E&O. This would be a more affordable insurance option than purchasing the policies individually.
When it comes to getting affordable coverage that meets your insurance needs, there are several steps you can take. Get started by comparing free business insurance quotes from leading insurance companies with Insureon.
Our licensed insurance agents can help make sure you get the right, most affordable coverage for your web design business. Most small businesses can get insured and download a certificate of insurance within hours of applying for quotes.