Web Developer Insurance

Website Development / Online Advertising (SEO & SEM) / Online Media
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Why do web developers need insurance?

You work hard to fulfill each client's vision for a website, but an accident could derail your plans. Business insurance covers legal costs and other expenses related to project delays, data breaches, and injuries that can negatively affect web developers.

Web developer adding code to a website.
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Get quotes from trusted U.S. carriers

Insureon helps web developers and programmers compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

Our expert insurance agents will help you find insurance coverage that matches your unique risks.

What types of insurance do web developers need?

These insurance policies cover common risks faced by web developers.

Errors and omissions insurance icon

Technology errors and omissions insurance

Technology E&O insurance, also called professional liability insurance, covers lawsuits related to quality of work, such as a client who sues over a delayed website. You can often add intellectual property and media liability coverage.

  • Website errors
  • Poor website design
  • Failure to meet specifications
Cyber insurance icon

Cyber insurance

This policy helps web developers survive data breaches and cyberattacks by helping to pay for recovery expenses, notification costs, and legal fees if a client sues over a breach.

  • Data breach lawsuits
  • Customer notification expenses
  • Fraud monitoring costs
General liability insurance icon

General liability insurance

This policy covers risks faced by every web developer, such as client injuries at your office. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).

  • Customer bodily injury
  • Damaged customer property
  • Accidental copyright infringement
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Fidelity bonds

Fidelity bonds compensate your web development company's clients if an employee steals from them. They are often required by client contracts.

  • Employee theft or fraud
  • Unlawful data access by an employee
  • Illegal funds transfer by an employee
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for web development businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

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

Commercial auto insurance can cover property damage and legal expenses in an accident involving a business-owned vehicle, along with some types of vehicle damage.

  • Car accidents
  • Vandalism and theft
  • Weather damage
Looking for different coverage? See more policies.

How much does web developer business insurance cost?

IT business owner makes calculations on a tablet.

A web developer who works independently can expect to pay less for insurance than a larger company.

Factors that affect premiums include:

  • IT services and products offered
  • Business equipment and property
  • Business income
  • Types of small business insurance purchased
  • Policy limits and deductibles
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How do I get web developer insurance?

It's easy to get web developer insurance or web designer 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 coverage that matches your budget and insurance needs, whether you work independently or hire employees.

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