Insurance for 
web designers

Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance),is insurance coverage for claims against businesses that provide professional and personal services – for web designers like you. For example, you and your client may have creative differences, or you could accidently infringe upon an existing copyright without realizing it. Protecting yourself and your business with web designers insurance is a smart business move that every tech professional should consider.

When is it important to have web design professional liability insurance? Here are a couple real-word examples that you may encounter in your day-to-day work:

• Creative differences: A website you have designed may not live up to your client’s expectations or may not function properly. Having the proper insurance for web design may protect you against claims of negligence, even if you haven’t made a mistake.
• Copyright infringement: We customize your coverage by automatically adding $200,000 of coverage for copyright infringement since this is a common risk for graphic designers.

Navigating the complex world of insurance can be a challenge for many professionals, but we’re here to help guide you every step of the way. Learn more about professional liability insurance.

General liability insurance, sometimes called Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property.

Having this kind of web designers’ insurance coverage is beneficial in several instances. In the next section, we’ll share a few examples that might sound familiar.

• Property damage: You’re visiting your client’s office for a design meeting and you accidentally spill coffee on your client’s computer, damaging it beyond repair. General liability insurance may cover a subsequent claim, up to your limits of liability.
• Bodily injury: As a graphic designer, you may sometimes attend trade shows. If you bring a large graphic to display and a visitor to the booth trips over it, injures herself, and files suit, you could be protected. General liability insurance can protect against third-party claims of bodily injury, associated medical costs and property damage.
• Medical costs: You were hired as a web designer to work onsite at a client’s office. You mistakenly leave your laptop bag on the floor and one of the client’s employees trips over it, injuring herself. If you are sued for the employee’s medical costs and lost wages, you could be protected. General liability insurance protects website designers against third-party claims of bodily injury, associated medical costs and property damage.

Whether you work onsite or remotely for multiple clients, web design insurance coverage can protect your business.

Still have questions about how this type of insurance works? Learn more about general liability insurance cost or contact us with any specific concerns.

Business owner's policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for web designers who also want to protect their own business equipment.

Your equipment is what helps you do your job well and most efficiently, and we’re here to help keep it safe and protected. Since expensive and high-tech equipment is required in this line of work, BOP is a popular insurance option among industry professionals.

• Property loss: Web and graphic designers manage large amounts of digital media files. Loss or damage to these files by a computer virus or fire could result in lost business income. Our standard business owners policy includes up to $10,000 of coverage to replace or restore electronic data.
• Property damage: A website designer’s home office is damaged by fire. The damage to their computer is not covered by their homeowner’s insurance; fortunately, the business owners policy covers the cost to replace the designer’s equipment.

Business owner's policies are an excellent option for many web design professionals and business owners. However, at Hiscox we understand that each individual’s coverage needs are unique. Our insurance experts are standing by and ready to help you make the best decision for your business. Learn more about business owner's policy.