Business Insurance for Web Designers
Why do web designers need business insurance?
If a client thinks a website you built isn't effective, your business could face a lawsuit. Business insurance for web designers can cover client lawsuits, injuries, property damage, and other risks.
Get the right coverage quickly
6 policies every web designer should consider
General liability insurance
This policy protects your business from the most common liabilities faced by web designers. It's often required in client contracts and commercial property leases.
- Client injuries at your office
- Accidental damage to client property
- Defamation and copyright lawsuits
Errors and omissions insurance
E&O, also called professional liability insurance, can help pay for lawsuits related to web design errors. You can often add coverage for intellectual property and media liability.
- Broken links and other design errors
- Websites that don't meet client expectations
- Websites that are not completed on time
Cyber liability insurance
This policy helps your web design business recover from a data breach or cyberattack. It also covers lawsuits from clients affected by a breach.
- Fraud detection and monitoring services
- Client notification after a breach
- Lawsuits from clients affected by a breach
Business owner's policy
A BOP bundles general liability insurance with commercial property insurance. Many insurance companies offer web designers a discount when they choose this policy.
- Client injuries at your office
- Accidental damage to client property
- Lost or damaged business property
Workers' comp insurance
State law usually requires that web design businesses with employees carry this policy. It covers medical costs and lost wages for work-related injuries and illnesses.
- Medical bills from employee work injuries
- Partial wages while employees recover
- Lawsuits over work injuries
Fidelity bonds
A fidelity bond protects your web design business if one of your employees steals from a client. It’s also called an employee dishonesty bond.
- Unlawful data access by your employee
- Illegal money transfer by your employee
- Other employee theft or fraud
How much does web designer insurance cost?
Average costs come directly from policies purchased by TechInsurance customers.
General liability: $42 per month
Errors and omissions: $61 per month
View more sample costs.
Start a free application to see how much insurance will cost for your web design business.
Why web designers choose TechInsurance
Protect against common risks
A lawsuit or data breach could devastate your web design business. Prevent financial losses with policies tailored for your needs.
