What is web designers insurance?
Design to your heart’s content with the right cover protecting your back
As a website designer your clients will look to you for your expertise, advice and creativity at every stage of their projects, all the while you’ll be providing a professional, sound and precise service. Should a client feel that their website fails in doing what they asked for or that which you have promised; they have a right to claim their alleged or actual losses from you. Plus, even the most well-intentioned and thorough designers can find themselves faces with copyright infringement or intellectual property theft claims as a result of using third party content without a license, or someone claiming they had your idea first.
That is why your website designer’s insurance package needs to protect you against a range of risks that you’ll face, including comprehensive professional indemnity insurance and additional covers tailored to you and your business requirements.
With the help of The Insurance Octopus, you will be able to create the perfect package which contains all of the essential cover you need in one, simple insurance policy.
What your web designer insurance policy includes
Professional Indemnity cover for web designers
Professional Indemnity insurance is a key element of cover to ensure you stay protected if creative differences arise, mistakes are made or have been claimed to have been made. PI insurance will protect you and/or your business against any financial or trading loss that may be caused. The cover limits are available from £50,000 to £10m.
Employers’ Liability insurance cover
Employers’ Liability insurance cover is required by law if you have one or more employees. Standard Employers Liability cover is £10m and will protect you as the employer against claims from your staff should they be injured or become ill because of the work they do for you.
Public Liability cover
Public Liability cover protects you if a customers or a member of the public is injured, or their property is damaged. Public liability insurance protects you against the cost of repairs or any legal proceedings that could be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request and subject to insurer’s terms and conditions.
Legal expenses insurance
With legal expenses insurance in place, your business is protected against the costs you would otherwise incur if you were to defend a legal claim.
Associated Claims Costs can cover you if a claim needs to be investigated further or there is a need bring in expert witnesses in a court hearing. Additional costs associated with a claim that you would not normally have to pay.
Business equipment cover
Items that are vital to your business such as your laptop or desktop computer, portable tablet pc, or mobile phone can be protected with our business equipment cover. If any of your business’ equipment is lost, stolen or damaged, this cover helps to replace those items you’ve insured.
Why you need web designers insurance
As a website designer, you will be providing a specialised and strategic service on a variety of design projects, and the potential cost to your business if a claim is made can be high. As well as any resulting legal expenses there could also be compensation costs to pay if a claim against you is successful, both of which could be detrimental to your business.
Ensuring your business has all of the right cover in place, including Professional Indemnity, Public and Employers Liability, and cover for your buildings and contents is essential if you want to protect your business against future claims, accidents and incidents.
The Insurance Octopus work with a selection of UK insurers providing the widest choice of PI insurance, giving you the best options to ensure you only pay for the cover you need.
Professional Indemnity cover for design pros
We cover a variety of trades and professions, including website designers, and are specialists’ when it comes to providing professional indemnity insurance which means you will get a bespoke policy that ensures you only pay for the cover you need.
Spread the cost of your premium
In most cases, we can provide you with your business insurance and documents on the same day (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit. Get in touch with us today for more information.
Why choose us for your Web designers insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
We can't stop accidents from happening but our Professional Indemnity insurance will give you up to £5m worth of cover - with up £5 million worth of public liability insurance cover also included.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
Specialists who understand your profession
Connecting you with agents who specialise in your field. They understand many of the challenges you face, & can tailor a policy to your needs.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Website Designer insurance FAQ’s
Get the answers you're looking for
How much coverage do I need?
Do you work directly with customers and clients, providing specific services? This is the case with the majority of self-employed website designers. From clients who are never quite satisfied with completed projects, to work that fails to meet the needs of your customers, professional indemnity insurance can offer you protection against financial loss should a client claim against your business as a result of a mistake made by you. This coverage ensures that you won’t be hit with a bill to pay for sudden legal fees from unhappy customers.
What level of professional indemnity insurance do I need?
The level of cover you need depends entirely on your personal preference. In the case of the majority of website designers, who work with many different clients or customers on a day to day basis, it is wise to consider the maximum level you can afford to ensure that all projects, big or small, are covered within your professional indemnity insurance. Each business is different.
Can I protect my valuable computer equipment?
A website designer without a computer isn’t much use to anyone – and that’s why our Business Equipment insurance covers everything a modern professional requires for their role. From expensive computer equipment through to tablets and smartphones, anything essential to the running of a website designer's business can be protected against theft or damage.
How web designers insurance works
Examples of Web Designers insurance in action
A complicated web
A web designer found themselves facing significant costs just when they had finished a website for a major client. Unfortunately, it transpired that the design they came up with was so similar to a foreign competitor that it was actually a breach of copyright. This meant that the entire site had to be redesigned from scratch and the project was delayed for several weeks. This is exactly what the designer’s professional indemnity insurance was designed to cover and he found he was supported throughout the process. Not only did he have assistance in defending the breach of copyright claim, he was also able to put things right with the client.