Compare Website Designer Insurance

Creating a great website can help make a business successful. With so much of today’s activity done online, the web pages that you design are often the first point of contact between a company and its customers.  

When things go well, that’s great, but you should also be aware that things can go wrong. If they do, it’s important to make sure that you’ve got the right level of insurance cover in place to protect you and your company.

What insurance might you need?

First up, whether you personally need insurance will depend if you are an independent website designer or employed by a company. If you’re employed by someone it’s worth reviewing the cover that they have in place first to see if it’s adequate.

If you’re an independent website designer and work for yourself but also take on temporary staff, there are three types of liability insurance that you should consider. We’ll explain why:

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Professional Indemnity Insurance

The first, and one of the most important types of insurance to get in place is professional indemnity (PI). This type of liability insurance could cover you against the cost of defending damages or compensation claims your customers could make against you if your negligent service or advice resulted in their financial loss.

As a website designer there are probably two principle risks to worry about.

  1. Inadvertently breaching professional duty. For example, you might have badly programmed a website for your client, which crashed as a result. Your client could hold you liable for implications of the faulty set-up and costs of fixing it, hence they would expect you to pay out compensation. PI cover could protect you against legal fees you may incur, regardless if the claim is successful or not. If you happen to lose the case, PI can also protect you against compensation you’d need to pay out.
  2. Inadvertently breaching a copyright could also land you in hot water. PI cover could protect your business by protecting the costs of defending a claim made against you.  Remember though to check if the cover is included in your insurance as not all policies automatically cover you against this risk.

Public Liability Insurance

Public liability could protect you against the cost of defending claims for accidental injuries or damages that occurred to a third party because of your negligence. For example, you were at a meeting with a client talking about what you could do to help them refine their website. All seemed to be going well until you knocked over a hot cup of coffee that landed on your client laps burning their legs and damaging their attire. As a result, you’re likely not to be offered to carry out the project, but could be required to pay compensation costs instead.

Employers’ Liability Insurance

The final type of liability insurance is employers’ liability insurance. This is a compulsory form of insurance for anyone that employs any staff, be it temporary, part-time or agency workers. Employers’ liability could cover you for claims should those employees hurt themselves or become ill due to work they did while being employed by you.

What should you do?

You should always try to limit problems in the first place. We know this sounds obvious and mistakes and accidents do happen. That said, there are some things you can do in your business that help to reduce the risk of claims against you.

Always make sure your clients expectations are clear and agreed in writing. A well written contract between the two parties is key. Be honest about what can be achieved and what can’t. If possible on larger jobs, break the deliverables down into pieces that can be separately signed off by the client – and record these sign offs in writing.

Finally, make sure you take out insurance cover to make sure you and your business are protected. Not only might this make sound commercial sense but it will also give you some valuable peace of mind. 

Compare prices and get insurance

Finding competitive liability insurance isn’t complicated. In fact, you can do it right here, right now. Use our public liability or employers’ liability comparison services to find the right deal for you or fill in our professional indemnity enquiry form and someone from our team will call you back to discuss your requirements. Help protect your business with comprehensive liability insurance. Compare with us today.

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