Web development insurance
We make arranging your web designer insurance simple
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance
Public liability insurance for web developers is a type of insurance that provides coverage for damages and legal expenses arising from a third-party claim of bodily injury or property damage resulting from the developer’s business activities. This can include incidents such as a client or member of the public slipping and falling in the developer’s office or a client’s property being damaged during a business visit.
Web developers who meet with clients, work on-site, or interact with members of the public in any way may benefit from having public liability insurance. This insurance can help protect developers against the financial consequences of legal claims, including legal defence costs and potential settlements or judgments against them.
Public liability insurance typically covers a range of expenses, including legal fees, court costs, and damages awarded to the claimant.
Employers' liability insurance
Employers’ liability insurance is a type of insurance that protects employers against claims of injury or illness made by employees as a result of their work.
If you are a web designer who employs staff, whether on a full-time or part-time basis, you have a legal obligation to provide a safe and healthy working environment for your employees. Employers’ liability insurance can help protect you against the financial costs associated with claims made by employees who suffer injury or illness as a result of their work.
Personal accident cover
Personal accident cover can be added to your web designer insurance policy, it is designed to provide financial assistance in the event of an accident. Personal accident cover can help you focus on your recovery and return to work as soon as possible. This coverage typically provides a lump sum payment or ongoing income support to help cover the costs of medical treatment, living expenses, and other financial obligations that you may have.
This type of insurance can provide additional peace of mind for web developers who may be self-employed or freelancing, and who may not have access to benefits such as sick pay or disability insurance.
Web designer property covers
Your business buildings and contents can also be covered to ensure you can continue to work if something were to happen and can protect against a number of perils, including fire, flood, theft and many more. Depending on where you’re based as a freelance web designer, you may require an office insurance package or if you work from a home office you may require home business insurance as most home insurance policies exclude business activities.
Our advisors can discuss the right policy to protect your workplace.If you work from your home you may also require home business insurance as most home insurance policies exclude business activities.
Business interruption insurance
Business interruption insurance provides coverage for lost income and expenses resulting from a disruption to your business operations, such as damage to your premises or equipment.
Should something happen to your buildings, contents and equipment, then business interruption insurance can safeguard your income and business expenses while you get back up and running.
Professional indemnity cover
Professional indemnity insurance is a type of insurance policy that provides coverage for financial losses and liabilities resulting from claims of professional negligence, errors, or omissions in the course of providing professional services.
Web designers who provide services such as designing and developing websites, creating and managing online content, and advising clients on digital marketing strategies may be at risk of professional liability claims. These claims can arise if a client believes that the web designer’s work did not meet their expectations, was not completed on time, or caused financial or reputational harm to the client’s business.
Professional indemnity insurance can help protect web designers against the costs of defending against such claims, as well as any damages or settlements that may be awarded to the client. This can be especially important for web designers who work with high-profile clients or handle sensitive information such as financial data, personally identifiable information, or intellectual property.
If you require Professional Indemnity cover, simply request a call back or call to speak to one of our advisors.
Cyber and data insurance
Cyber insurance for web designers is a type of insurance policy that protects against financial losses and liabilities resulting from cyber attacks or data breaches that occur in the course of designing, developing, and maintaining websites.
Web designers who handle sensitive data such as personal information, financial information, or intellectual property of clients are more susceptible to cyber-attacks and thus, should consider getting a cyber insurance policy to help protect themselves and their clients from the potential financial impact of a cyber incident.
Commercial legal protection
Commercial legal expenses should be a consideration when arranging your web designer insurance to protect you against tax and VAT disputes, employment disputes and compensation awards, as well as offering jury service allowance should you or your employees be summoned.
Web designer insurance FAQs
Do I need web designer insurance?
Web design insurance is typically designed to protect your consultancy against events that could leave you and your business exposed to large financial losses. Without the right web designer insurance in place, you may be personally responsible for any losses that occur while conducting business, as well as any third-party claims that could be submitted against you.
The type of insurance covers you need may depend on the specific nature of your business and the risks involved. If you are unsure, our insurance experts are on hand to help you determine what types and amounts of cover are appropriate for your business.
What covers do web designers need?
Usually, web designer insurance can cover your premises and equipment, as well as your clients and your staff. Covers you should consider include:
- Public liability – for injured visitors or damage to their property.
- Employers’ liability – to protect your employees.
- Professional indemnity – can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice.
- Personal accident cover – to tide you over in the event that you injured yourself at work.
- Buildings cover – to cover for loss or damage to your premises.
- Equipment, contents and stock – to reinstate your items and belongings.
- Business interruption – to keep finances running when disaster strikes.
- Business legal expenses – to cover the cost of legal expenses.
- Cyber and data – to help cover damages and costs associated with data breaches, cyber-attacks, or other cyber incidents.
How much does web designer insurance cost?
The cost of web designer insurance can vary depending on a number of factors, including the scale of your web design business, the level of cover you need and the demands of the cover.
We always recommend that you generate quotes from several insurers to compare the best cover for your requirements. At Premierline we can help by comparing quotes from some of the UK’s biggest business insurers. We can help to review your insurance needs to make sure that it continues to meet the changing needs of your business.
Why choose Premierline to arrange web designer insurance?
We are on hand to find you the right web designer insurance. Our advisors will discuss your insurance options and help you compare quotes from some of the UK’s leading business insurers. For advice on specific requirements, give us a call or request a call back.
What type of web designers does Premierline work with?
As a business insurance broker, we can source insurance for a range of different types of web development professionals. Such as:
- Front-end, back-end and full-stack developers
- Content Management System (CMS) developers
- Game developers
- DevOps engineers
We can make arranging your web development insurance simple and hassle-free, even if your business has specific needs. Speak with our team of advisors who can recommend the right covers for your business.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're business insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Premierline are a supportive insurance broker. They look after us in terms of maintaining our account and identifying any actions required. Plus theyre supportive when it comes to queries and assistance. And finally when it comes to claiming they are extremely sympathetic, they relate to the situation and offer any help they can.”
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Customer since April 2022
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Speak to a web designer insurance expert
We make arranging your web designer insurance simple. At Premierline we can generate and compare quotes from a selection of trusted insurers, and get the right protection for your web design business. Our advisors are also on hand to provide advice on what covers you need, give us a call or request a call back and we’ll get to work.
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm