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Insurance for web designers & developers

Protect your work, your ideas and your reputation with cover that’s designed for the job. Web designer & developer insurance is your style guide to safeguarding your business.

Quote online in less than 2 minutes

Professional indemnity
from £6.55 a month for £50,000 cover

Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander. We offer up to £10,000,000 cover.

addPublic liability
£4.48 a month
£1,000,000 for physical damage and injuries caused by your business
addCyber liability
£10.08 a month
£50,000 for hacks, breaches and data loss
Based on an annual income of up to £25,000. All prices include IPT at 12%.
Quote online for turnovers up to £5,000,000, or call and talk to an expert.
Not just a pretty face

An easy-on-the-eye on-brand look, great UX and winning CTAs are expected goals in web design and development. But what if your design falls flat and the CTR flatlines too?

Your client is going to want payback.

Not forgetting that the eyes are everywhere, so criticism can come from all quarters. Plus, it doesn’t take much for someone else to claim your cracking idea was theirs.

Fighting your corner takes time and money. Web designer insurance provides both – with 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, is delivered late or keeps crashing, they’re going to ask 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 professional indemnity insurance for web designers 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. And because your reputation matters.

What does professional indemnity insurance for web designers cover?

PI takes care of 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), it covers:

  • Negligence
  • 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

Some professional indemnity policies can even pay to fix a mistake before your client notices, preventing a claim in the first place.

Clever stuff.

How much professional indemnity insurance do I need?

Professional indemnity insurance protects your web design and development business and no one else’s. So only you can decide what level of cover is enough.

Consider the exact nature of what you do, who you do it for and how much it’s worth. Think about worst-case scenarios 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 – and that’s before the bill for compensation arrives. Your level of cover has to be enough to cover it all.

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

Do I need public liability insurance?

Yes, probably.

Public liability is handy if you go out and about on business (eg to meetings or to install equipment), or if visitors come to you.

It protects you if a third party claims it’s your fault they were injured or their property was damaged. Say they tripped and fell in your office, or you spilled coffee over their laptop.

It’s useful if you’re clumsy, of course. But it’s also useful in dealing with people from the ‘where there’s blame there’s a claim’ school of thought.

What other web design business insurance do I need?

Cyber insurance is your back-up if you host a client’s systems or website, organise the hosting, or access their network remotely. All run the risk of hackers finding a way in and stealing data. That can mean compensation claims, especially if personal data goes missing. You’re covered for legal costs, damages and investigations by the regulator.

Employers’ liability insurance covers your business for claims by staff or helpers that they suffered injury or illness because of the work they do for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your office (furniture, fittings, 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.

What our customers say...
Easy to use and competitive pricing.
Web Design & Development, Consultancy
16 December 2019
Straightforward process, with a quote that was better than the company they insured me with.
Graphic/Web Design
26 October 2019
Very quick and straightforward!
Digital Marketing & Web Design
8 July 2019

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Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.

We're here Monday to Friday, 9 to 5.
0345 561 0320
Catherine Roberts
Account Executive
Jane Aldous
Customer Service and Claims
Team Leader
Kerri-Ann Hockley
Head of Customer Service
Yasin Akdemir
Account Executive
Zoe Langford
Assistant Account Executive