Liability Insurance For Web Designers

Web designers are responsible for designing and creating websites for individuals and businesses. While most of these professionals have a long career under their belt, there are a few that have only been in the field for several months or years. Regardless of how long you have been designing websites, mistakes can happen. And, these mistakes can lead to personal injury and damages for your clients.

The good news is there are protections that can help reduce the impact of third-party lawsuits and negligence claims. These protections are known as insurance coverage. As a web designer in Canada, you may not be required to obtain and carry professional liability insurance, but it would definitely be in your best interest to obtain it before you serve your first cover.

Web designers always follow the instructions provided by their clients to design websites. However, there will come a time when these instructions can be confusing, leading to a poor design and customer dissatisfaction. If your design causes the customer to sustain a major financial loss, you may end up in court fighting a civil lawsuit.

If you are covered by a quality professional liability insurance (PLI) policy also known as errors and omissions insurance (E&O), your financial loss will be minimal. If not, you may end up spending thousands, if not millions of dollars for litigation fees, settlements or monetary judgments.

It is also possible to customize a website that is similar to an existing website. When this occurs, you may find yourself facing copyright claims or a lawsuit brought by the Webmaster. Not only will you need to have the website taken down, but also you will be required to start the design from scratch. This is where commercial general liability insurance (CGL) will come into play, as it will cover part or all of your legal expenses and settlements.

We recommend having no less than $1,000,000 of PLI in combination with $2,000,000 CGL coverage if your business demands it. Rates as low as $40/month.

Professional Liability Insurance For Web Designers

 

Additional Coverages that web developers can benefit from

Web designers take far more risks than you could ever imagine. You just never know what is going to happen in the future. Getting enough web designers E&O insurance coverage is going to help, but it might not cover all problems. This is why you may need to acquire additional cover options. Combining E&O insurance with a web designers CGL insurance policy is best. Additional policy options will be provided below for your consideration.

Cyber Insurance

As a web designer, the mass majority of your work is going to be taking place online. Your clients’ information is likely going to be stored in an online database. This is why you need a good amount of cyber insurance. Without cyber insurance, you’re take a huge risk. With cyber insurance, you will be able to rest assured knowing that you’re protected. This will allow you to serve your clients and focus on their needs, without having to worry about the risks.

Cyber Insurance Recommended Limits – $500,000 per claim / $1,000,000 aggregate

Commercial General Liability Insurance

You’re also going to want to think about getting CGL insurance. CGL insurance is absolutely essential, since it can often provide you with protection from advertising claims. There is also a chance that you’re going to have clients visit your offices. If this is the case, you need CGL insurance. It can protect you in the event that your clients are injured on your property.

Commercial General Liability Insurance Recommended Limits – $1,000,000 per claim / $2,000,000 aggregate

Equipment Breakdown Insurance

You also need to understand that you’re going to need equipment breakdown insurance. After all, you’re going to need your computer to continue working. If your computers break down, your business is going to grind to a halt. Get this insurance to avoid the risks.

Equipment Breakdown Insurance Recommended Limits – $50,000 per claim / $100,000 aggregate

web development insurance

Average Costs

If you’re interested in getting covered by web designers professional liability insurance coverage, you need to familiarize yourself with the potential costs. It is true that the web designers PLI insurance prices can be pretty steep. Nevertheless, the insurance will be well worth it in the long run. So, how much should you expect to pay for E&O insurance for web designers? While the prices may vary, you can find some estimates below.

  • Professional Liability Insurance – $40 a month
  • Commercial General Liability Insurance – $20 a month
  • Commercial Property Insurance – $20 a month
  • Cyber Insurance – $120 a year
  • Identity Theft – $85 a year

At the end of the day, the aforementioned web designers PLI insurance quotes are going to be immensely helpful. We highly recommend that you get in touch with our web designers professional insurance agent as quickly as possible. By getting in touch with one of our agents, you’ll be able to get free quotes within a short period of time. You can also use the form on our website to obtain quotes within minutes.

We’re also available around the clock via phone and email. If you want to find out what you’re going to be required to pay, you should contact us today. We’ll answer any and all questions that you may have.

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FAQ before buying insurance for Web Developers

 

Other professions we also provide insurance for:

Academic Testing Centres
Accident Investigation
Accident Prevention Consultants
Accountants
Actuaries
Adjusters
Adoption Agencies
Advertising
Advertising Agencies
Advertising Agents & Services
Aerial Mappers
Agents
Agrologists
Agronomists
Alarm Monitoring Services
Allied Health Professionals
Alternative Dispute Resolution Firms
Alternative Energy
Answering Services
Anthologist
Anthropologist
Appraisers
Arbitrators & Mediators
Arborists / Tree Surgeons
Archaeologists
Architects
Architects & Engineers
Architectural technicians and technologists
Associations
Attorneys
Auctioneers, Auction Houses
Authors
Bailiffs
Blueprint & Photocopy
Boat Registrars
Bookkeepers
Broadcasters
Building Designers(Bill 124)
Business Brokers/Managers
Business Consultant
Business Enterprise Agencies
Business Training Courses
Cabling Designers
Camera & Photo Supply Stores
Careers Advisory Service
Catering Consultancy
Cereal Growing Advisors
Chambers of Commerce & Trade
Charities
Chiropodists
Chiropractors
Civil engineers
Claims Adjusters & Administrators
Collection Agencies
Commercial Printer
Communication Consultants
Company Formation
Company Search Agency
Conference & Event Management
Conference Facilities & Services
Conservation Consultants
Conservation Organizations
Consultants
Consumer Organisations
Contest Managers
Contractors Accountants
Convention Planners
Copywriters
Counselling & Advice Services
Court Reporters
CPA/CMA
Credit Reference Services/Bureaus
Custom House Broker
Customs & Forwarding Agents
Data Processing Services
Database Managers
Day Spas
Decorators – Interior
Dental Laboratories
Designers
Dieticians (Consulting)
Directors
Directors and Officers
Documentary creators
Employment Agencies
Employment Agencies/Recruiters
Employment Placement Agencies
Energy Audits & Assessments
Engineers
Environmental Engineers
Event Planners
Excess & Umbrella Liability
Filmmakers
Fitness Clubs
Foreign Legal Consultants
Holistic Professional
Home inspectors insurance
Immigration Consultants
Independent Contractor
Industrial Designers
Information Technology
Interior Designers
IT Contractor
IT Specialist/Technician/Programmer
Journalists
Lawyers
Lawyer’s Excess Professional Liability
Long Term Care
Management Consultants
Mediators
Medical Clinics
Medical Devices
Medical Professionals (Malpractice Insurance)
Medical Related
Medical Student Malpractice Insurance
Mortgage Brokers
Multimedia designers
Naturopaths
New Media
Occupational Health and Safety Consultants
Paralegals
Photographers
Placement Agencies
Podiatrists
Private Investigators
Process Servers
Product Designers
Professional Entertainers
Professional Organizer
Professionals Liability
Project Managers
Property Managers
Publishers
Publishers and Printers
Quality Control Consultants
Recruiters
Recruitment and Employment Agency
Recruitment Consultants
Research & Development
Roofing Consultants
Safety Engineers
Service Organizations
Solar & Wind Farm Engineers & Consultants
Spa Package
Structural Engineers
Sub-Contractor
Surveyors
Tax Prepares
Technology Companies
Therapist Professionals
Town / Urban Planners
Training Providers/Trainers
Translators etc.
Travel Agencies
Travel Agents
Travel Agents, Tour operators
Web Designers
Web-Site Designers
Workplace Engineers & Consultants