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Why do web hosting businesses need insurance?
A server failure that affects clients could lead to a lawsuit. Web hosting insurance helps cover financial losses from data breaches, technical issues that impact your clients, injuries, and other risks.
Find affordable coverage
Web hosting professionals can save money by comparing free quotes from top insurers.
Fill out Insureon's easy online application to get quotes and advice from a licensed insurance agent.
What types of insurance do web hosting professionals need?
These insurance policies cover the most common risks of web hosting.
Technology errors and omissions insurance
Technology E&O, also called professional liability insurance, covers legal fees related to the quality of your web hosting services. You can often add intellectual property and media liability coverage.
BEST FOR
- Technical errors
- Website downtime
- Client data loss
Cyber insurance
This type of small business insurance protects against data breaches and cyberattacks by helping to pay for recovery expenses, client lawsuits, and other related costs.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
General liability insurance
A general liability policy covers basic risks, such as damage to client property. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Third-party bodily injury
- Damaged customer property
- Libel and other advertising injuries
Fidelity bonds
Fidelity bonds compensate a web hosting 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 hosting businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Legal costs
Commercial auto insurance
This type of coverage pays for property damage and legal expenses in an accident involving a commercial vehicle. Most states require it for business-owned vehicles.
BEST FOR
- Car accidents
- Vehicle theft
- Weather damage
Looking for different coverage? See more policies.
How much does technology business insurance cost?
A small business with a few workers will pay less for insurance than a large company with a dozen employees.
Factors that affect premiums include:
- Type of business, such as cloud computing or data center
- Business property and equipment
- Business revenue
- Types of insurance coverage purchased
- Policy limits and deductibles
How do I get web hosting business insurance?
It's easy to get web hosting business 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. insurance companies to find coverage that fits your web hosting business, whether you work independently or hire employees.
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