Business Insurance for Web Designers

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Software / Internet Design
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Why do web designers need insurance?

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.

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Choose the best rate and coverage

Insureon helps web 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.

What types of business insurance does a web designer need?

These insurance policies cover common risks faced by website designers.

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Technology errors and omissions insurance

Technology E&O insurance, also called professional liability insurance, covers legal expenses related to a web designer’s performance. You can often add intellectual property and media liability coverage.

  • Missed deadlines
  • Failure to deliver upon promises
  • Coding errors
Cyber liability insurance icon

Cyber liability insurance

A cyber liability insurance policy helps web designers survive data breaches and cyberattacks. It's recommended for any business that handles sensitive information.

  • Client notification expenses
  • Fraud monitoring costs
  • Legal fees from a data breach
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Fidelity bonds

This bond, also called an employee dishonesty bond, helps web design companies compensate clients for employee theft. It's often required by client contracts.

  • Unlawful data access by an employee
  • Illegal funds transfer by an employee
  • Other employee theft or fraud
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General liability insurance

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).

  • Customer bodily injury
  • Damaged customer property
  • Libel or slander lawsuits
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Workers’ compensation insurance

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.

  • Medical costs for work-related injuries
  • Disability benefits
  • Legal costs from employee injuries
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Commercial auto insurance

A commercial auto policy covers property damage and legal expenses in accidents involving company vehicles. Most states require it for business-owned vehicles.

  • Car accidents
  • Vandalism and theft
  • Legal defense costs
Looking for different coverage? See more policies.

How much does technology business insurance cost?

IT business owner makes calculations on a tablet.

A designer working on their own will pay less for insurance than a small tech company.

Factors that affect premiums include:

  • Services offered
  • Business equipment and property
  • Business revenue
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get web design business insurance?

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
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