Insurance for Website Designers
A website designer is a specialised software developer as well as a consultant who provides many services related to the website and other software needs. In addition to providing the software, the website designer becomes an integral part of the client’s operation, since the website should be regularly updated.
At Business Insurance Service, we understand not just the insurance industry, but the commercial sector too. Our brokers have years of experience and expertise in finding professionals from across all disciplines the right kind of Liability and Professional Indemnity insurance cover for professionals, giving both sole traders, SMEs, and large international agencies the protection they need.
What Insurance does a Website Designer need?
Minimum recommended cover can usually be arranged on a Professional Indemnity (PI) combined policy to include Buildings, Computer Equipment & General Contents, Increased Expenditure, Employee Dishonesty, Public Liability, Employers’ Liability
Property exposure centres on the high concentration of electronic equipment. Fire sources could include wiring, wear, and overheating of equipment. Fire, smoke, and water could pose significant damage to equipment. Fire protection should consist of chemical applications instead of water. Increased Expenditure is a major exposure since time is of the essence whenever the Internet is involved. The designer must be able to meet the client’s need in a timely manner or the client will find another provider.
Premises liability is minimal since operations are conducted on premises and returned to the client.
Crime exposure is from Employee Dishonesty and Computer Fraud. Background checks and previous employment verification are important prior to hiring.
Employers’ liability exposure exists in the areas of ergonomics, repetitive motion, and carpal tunnel syndrome. The design of workstations to prevent worker injuries is important
Professional liability is extensive. The website designer is responsible for content and must meet the requirements of the client. Errors that misdirect the client’s potential customers as well as inaccurate information create a potential for lawsuits that must be insured against.
What other risks do Website Designers face?
Other exposure starts with the computer. A computer policy is a must since it picks up not only the hardware but also the software and the media. The designer must take precautions such as frequent backup and off-site data storage. Increased Expenditure cover is important since the website is expected to always be operational and the designer may be expected to handle problems that arise on the site.
Why not discover more about Business Insurance Service? Or simply get in touch with our services today.
How can Business Insurance Service help Website Designers?
Whether you’re a sole trader or a small to large company, your insurance portfolio has to be up to date and provide you and your business with the right level of protection. Rather than trying to find liability or professional indemnity insurance by hunting through countless websites, let us or our website do it for you.
We’re members of the British Insurance Brokers Association (BIBA) and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.
As preferred brokers working with some of the largest insurance providers in the UK, we have immediate access to a huge range of policies for various businesses, including vets and surgeries. We provide our customers with a bespoke or package service, creating insurance portfolios that are specifically tailored to your individual needs, and your budget.