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Business Insurance for Web Developers

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Why do web developers need business insurance?

If a client isn't satisfied with a website, your business could face a lawsuit. Insurance for web developers protects against client lawsuits, injuries, property damage, and other risks.
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TechInsurance helps web developers compare insurance quotes from top U.S. providers with one easy online application.

6 policies every web developer should consider

Clients, landlords, or state laws may require web developer insurance. Business insurance could prevent financial loss in the event of an injury, property damage, lawsuit, or data breach.

General liability insurance

General liability insurance icon

This policy protects web developers from basic risks that most small businesses face. It's often required by client contracts and commercial leases.

BEST FOR
  • Accidental client injuries
  • Accidental damage to client property
  • Libel, defamation, and copyright lawsuits

Business owner’s policy (BOP)

Business owner’s policy icon

A BOP bundles general liability insurance with commercial property insurance. Many providers offer web developers a discount if they choose this policy.

BEST FOR
  • Accidental client injuries
  • Accidental damage to client property
  • Damaged business property

Errors and omissions insurance (E&O)

Errors and omissions insurance icon

This option protects against lawsuits over mistakes or oversights made by a web developer. You may also see E&O referred to as professional liability insurance.

BEST FOR
  • Website errors
  • Failure to meet client expectations
  • Accusations of negligence

Cyber liability insurance

Cyber liability insurance icon

This policy can help pay for recovery from a data breach or cyberattack. It can also protect your business against lawsuits from clients affected by a breach.

BEST FOR
  • Lawsuits from clients affected by a breach
  • Notifying affected clients about a breach
  • Fraud detection and monitoring

Fidelity bonds

Fidelity bond icon

A fidelity bond protects your web development business when a client accuses one of your employees of theft. It’s also called an employee dishonesty bond.

BEST FOR
  • Unlawful data access by your employee
  • Illegal electronic funds transfer by your employee
  • Other employee theft or fraud

Workers’ compensation

Workers’ compensation insurance icon

State law usually requires web development businesses that have employees to purchase this policy. It helps pay medical costs from work injuries and illnesses.

BEST FOR
  • Medical bills from employee work injuries
  • Partial wages while employee recovers
  • Lawsuits over work injuries

Looking for different coverage? Check out our other policies.

Insurance costs for tech professionals

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Median costs come directly from policies purchased by TechInsurance customers.

General liability: $28 per month
Errors and omissions: $61 per month
View more sample costs.

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Why web developers choose TechInsurance

Protect against common risks

A lawsuit or data breach can devastate your web development business. Prevent financial losses with policies tailored for your needs.

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