Web designers’ insurance

Protection 2.0

Pick a web designers’ insurance package (if your turnover's under £100,000) or build your own.

Your 10% Bought By Many discount will be applied during the purchase process.

Essential
Professional indemnity: £100k
Cyber: £50k
Public liability: £1m

£22.10

a month

Classic
Professional indemnity: £1m
Cyber: £100k
Public liability: £1m

£30.14

a month

Pro
Professional indemnity: £1m
Cyber: £100k
Public & employers' liability

£34.90

a month

Essential
Professional indemnity: £100k
Cyber: £50k
Public liability: £1m

£22.10
a month

  • No admin charges
    For anything, ever
  • Buy online in minutes
    No forms, no fuss
  • Speedy service
    Less admin, more business
  • Interest-free Direct Debit
    Your budget, your way

Code red

The internet is a great place to show off your work, sure, but it's an open door to trouble too. Everyone's a critic these days.

Your clients only want your best work representing their business. And it doesn’t take much for someone else to claim your brilliant idea was theirs.

Fighting your corner takes time and money. Web designers' professional indemnity insurance provides both – with reputation-saving legal expertise thrown in for good measure.

Net some today.


Why do web designers need professional indemnity insurance?

What business doesn't have a website these days? An invisible one is what.

But not just any old website will do. Clients pay you good money to design and develop something that not only works and looks good, but gets them business too. No easy task.

If your masterpiece fails to convert leads, doesn't do what the client wanted or keeps crashing, they're going to start asking questions. Awkward questions like: who's going to pay for our lost business? When can we expect our sales to increase? Have you got a solicitor?

You might not have done anything wrong, but that doesn't always matter. The fact there's an allegation against you is enough. You have to do something about it and that takes time, effort and money.

That's when web designers' insurance steps in. It pays your legal bills, argues your case and frees you up to keep running your business.

You need it because you have a business to run. Because you don't have unlimited funds. Because you're not a legal expert. Because your reputation matters.

What else is there?

How much professional indemnity insurance do I need?

Professional indemnity insurance protects your business. No one else’s.

So you have to decide what level of cover is enough for you. Consider what you do, who you do it for and how much it’s worth. Think about worst-case scenario and what could go wrong. What’s the most expensive mistake you could make (or be accused of making)?

Always bear in mind that you can’t have too much cover. Your legal defence can cost many tens of thousands of pounds – and that’s before the compensation bill from your client arrives. Your level of cover has to be enough to cover all of this.

It’s a tricky one to get right. Have a read of this guide or call us if you need more help.

What does professional indemnity insurance cover?

Negligence claims and allegations made against you by clients and third parties, because of mistakes you’ve made and things you’ve failed to do.

Specifically (but depending on the policy wording):

  • Defamation
  • Intellectual property infringement
  • Loss of documents or data
  • Negligent misrepresentation or misstatement
  • Employee dishonesty
  • Virus transmission
  • Breach of confidentiality
  • Failure of third-party equipment

But that’s not all. Some professional indemnity policies can fix a mistake before your client is even aware of it, thereby preventing a claim in the first place.

Clever stuff.

What else do I need?

Public liability insurance is for when you go out and about on business, or have visitors to your office. It’s for claims of physical damage to property and people. Useful if you’re clumsy.

Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your office (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the office (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up – it’s probably worth more than you think.

Business interruption insurance means you can still work when your office is out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.

Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.

Why should I buy my insurance from you?

Glad you asked.

The simple answer is: we know what we're doing. Professional insurance is all we do so we know what you need, even if you don't.

We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.

We do all that while treating you like a human being, too. You won't find a call centre here. Or a phone menu. And we've banned nonsense insurance jargon.

Anything else? Well, there's the great stuff you get, such as 20% off everything at MOO and Enterprise Nation business ebooks. We have an 'I'm insured!' badge for your website too – perfect for the professional professional.

Also, we'll give you money each time you recommend us.

Plus, every insurance-related question you can think of is answered in our School of Risk, and you'll get our quarterly risk advice email – 'The Waggle' – to help you avoid problems in the first place.

If you're after a second opinion, have a look at our customers' feedback. They're the ones you should really listen to.

School of Risk for web designers
School of Risk for web designers

The internet is a wonderful thing. Discuss.

Well it's big, certainly. Beautiful too? That depends on your point of view.

What's not in doubt is that it's the first, and in many cases, only port of call for people looking for information and/or entertainment. (Absolutely not 'infotainment' though, thanks very much.)

Read more...

We've teamed up with Bought By Many to get 10% off your professional indemnity policy.

Get a quote
Buy online in minutes. 10% off PI for members of CIPR!
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  • No admin charges
    For anything, ever
  • Buy online in minutes
    No forms, no fuss
  • Speedy service
    Less admin, more business
  • Interest-free Direct Debit
    Your budget, your way
What our customers say about us
Very easy to find the cover I wanted and to put it in place. That ease of doing business is key to me.
An efficient, convenient service.
All aspects of contact, quotation and putting cover in place were exemplary.
Refreshingly straightforward approach; very good people to deal with.
PolicyBee gave me an unbeatable quote online. The process was so easy and I was insured within minutes.

Stuck?

Don't be – let us call you.

Sarah Adams - our web designers' insurance expert

I'm Sarah,
our web designers' insurance expert.

Got a question? Need a quote? Call me on
0345 222 5376, or click
'Call me back'.