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 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.
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.
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.
Your 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. Should something happen to your contents and equipment, then business interruption insurance can safeguard your income and business expenses while you get back up and running.
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.
To find the right web designer insurance, you can easily compare quotes online today. Or if you need advice on specific requirements, then give us a call. Our advisors are on hand to discuss your insurance options and help you compare quotes to get the right insurance.