Insurance for web designers
Website designers offer a unique service that requires insurance to cover the broad spectrum of risks faced by professionals in this industry. Web developer insurance is specifically tailored to account for these risks providing your business with the protection it deserves to let you focus on the job in hand.
Typically web designer insurance will offer cover to protect your clients, your staff, as well as your premises and equipment. Cover can usually be extended to include working at clients’ premises, as well as protecting your equipment while you are working away.
Web designer public liability insurance
Public liability cover can protect you in the event that you accidentally cause damage to a customer’s property, as well as accidental injury to the public. For example, if you accidentally dropped a client’s laptop, your public liability insurance could cover the cost of the accidental damage. This should also cover you if customers came to your premises, and injured themselves.
Web designers employers’ liability insurance
Employers' liability insurance will need to be added to your policy if you employ staff, even if they only work on a part time basis. This can be built into your web designers insurance, and would safeguard your staff against accidents at work, and protect you against potentially large compensation awards that may be granted as a result.
Office insurance for web designers
Your business buildings, business contents and equipment 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.
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.
Legal expenses for web designers
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.
Compare 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.