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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 devastate web developers and their livelihoods.
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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 business insurance policies cover common risks faced by web developers.
Professional liability technology insurance
Also called technology E&O insurance or tech E&O, this policy covers lawsuits related to quality of work. You can often add intellectual property and media liability coverage.
BEST FOR
- Website errors
- Poor website design
- Failure to meet specifications
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.
BEST FOR
- Data breach lawsuits
- Customer notification expenses
- Fraud monitoring costs
General liability insurance
This policy covers third-party risks faced by web developers, such as client injuries at your office. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Customer bodily injury
- Damaged customer property
- Accidental copyright infringement
Fidelity bonds
Fidelity bonds compensate your web development company's clients if an employee steals from them. They are often required by client contracts.
BEST FOR
- Employee theft or fraud
- Unlawful data access by an employee
- Illegal funds transfer by an employee
Workers’ compensation insurance
Most states require workers' comp for web development businesses that have employees. It also protects sole proprietors from work injury medical bills that health insurance might deny.
BEST FOR
- Medical expenses from work-related injuries
- Disability benefits
- Legal costs from employee injuries
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.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Looking for different coverage? See more policies.
How much does web developer business insurance cost?
A web developer who works independently can expect to pay less for insurance than a larger company.
Factors that affect web developer premiums include:
- IT services and products offered
- Business equipment and property
- Business size and income
- Types of small business insurance purchased
- Policy limits and deductibles
- Number of employees
- Endorsements, such as IP insurance
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:
- 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 coverage that matches your budget and insurance needs, whether you work independently or hire employees.
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Common questions about insurance for web developers
Review answers to frequently asked questions (FAQs) about web development business insurance and more.
Why is business insurance necessary for web developers?
No matter if your web dev business is well-established with several employees or just starting up with a couple team members, a small, frivolous lawsuit could upend your operations and cause significant financial loss if you're not adequately protected. To help protect your business from costly lawsuits, there are several types of insurance solutions to safeguard your livelihood from devastating legal fees.
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 a third-party cyber incident. It covers customer notification fees, credit monitoring, defense costs, and fines.
- Commercial property insurance covers your business property and equipment if it's damaged, lost, or stolen at your fixed business address. 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 to help small business owners save money. Typically, it's cheaper to purchase these policies in a bundle, rather than as standalone coverages.
- Electronic data processing insurance (EDP) covers electronic devices such as computers, storage devices, and the data they contain. Also known as computer coverage or data processing coverage, EDP insurance can help protect against data loss during a power surge, fire, natural disaster, or similar event.
- Business income insurance, also known as business interruption coverage, offsets your lost net income when your business is forced to close because of a covered peril, such as property damage. These funds help you cover your normal operating expenses until you can resume business operations.
Are web development companies required to have insurance?
Web development companies can protect their livelihoods and qualify for contracts and leases by carrying the right insurance coverage. Depending on your industry and state, some policies are required by law.
For some web dev businesses, workers' compensation and commercial auto insurance may be required if they have employees and own a business vehicle. However, freelance web developer insurance requirements are likely to be different as they don't have employees, but might use their personal vehicle for work purposes and need HNOA insurance.
Typically, web developer startups 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.
Even small web developer businesses are vulnerable to the same exposures and lawsuits as larger businesses. This is another reason why you should consider web development business 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 development businesses need professional indemnity insurance?
While web developer businesses aren't required by law to carry professional indemnity insurance, it should be a key component of your business's 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 web business for an error, mistake, or professional negligence. This type of coverage is sometimes referred to as software liability insurance for technology businesses.
You can bundle professional liability insurance for web developers with cyber insurance (also called cyber liability 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 developer business insurance?
There are many steps you can take to get affordable coverage that meets your web developer insurance needs.
Start by comparing free business insurance quotes from leading insurance companies through Insureon’s online application. If you're unsure what web development insurance solutions you need, our licensed insurance agents can help make sure you get the right, most affordable coverage.
Most small businesses can get insured and download a certificate of insurance within hours of applying for quotes.