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Web and UX / UI Designer Insurance
Website Development / Online Advertising (SEO & SEM) / Online Media
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Why do web and UX / UI 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.
Choose the best rate and coverage
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.
What types of business insurance do web, UX and UI designers need?
These insurance policies cover common risks faced by website, UX and UI design businesses.
Technology errors and omissions insurance
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.
BEST FOR
- Missed deadlines
- Failure to deliver upon promises
- Coding errors
Cyber insurance
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.
BEST FOR
- Client notification expenses
- Fraud monitoring costs
- Legal fees from a data breach
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).
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Copyright infringement lawsuits
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.
BEST FOR
- Unlawful data access by an employee
- Illegal funds transfer by an employee
- Other employee theft or fraud
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.
BEST FOR
- Medical expenses for work-related injuries
- Disability benefits
- Legal costs from employee injuries
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.
BEST FOR
- Car accidents
- Vandalism and theft
- Legal defense costs
Looking for different coverage? See more policies.
How much does web designer business insurance cost?
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 services and products offered
- Business equipment and property
- Business size and annual revenue
- Types of insurance purchased
- Number of employees
- Policy limits and deductibles
- Endorsements, such as IP insurance
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:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- 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.
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Common questions about insurance for web designers
Review answers to frequently asked questions (FAQs) about website designer insurance and more.
Why is business insurance necessary for web designers?
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:
- Technology errors and omissions insurance, sometimes called tech E&O or tech professional liability insurance, is a bundle of E&O with cyber insurance. This policy can help you with legal fees and court costs if a dissatisfied client sues you over your work performance or third-party cyber incident. It covers the cost of customer notification, credit monitoring, legal fees, and fines.
- Commercial property insurance covers your business property and equipment if it's damaged, lost, or stolen at your fixed business location, like your office space. Should your machinery or equipment suffer a mechanical or electrical failure, equipment breakdown coverage would provide the funds to repair or replace the damaged equipment.
- Business owner's policy (BOP) combines general liability coverage with commercial property insurance at a discount. It protects against common third-party lawsuits and business property damage.
- Electronic data processing (EDP) insurance covers electronic devices such as computers, storage devices, and the data they contain during a power surge, fire, natural disaster, or similar incident. Also known as computer coverage or data processing coverage, EDP insurance can help protect your business income against financial losses from data corruption or loss.
- Business income insurance, also known as business interruption coverage, offsets your lost income when your business is forced to close because of a covered peril, such as property damage. These funds help cover your normal operating expenses until you can resume business operations.
Are web design companies required to have insurance?
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.
Do web design businesses need professional indemnity insurance?
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.
How can I save money on web designer business insurance?
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.