Web designers and developers are business professionals educated and specialized
in providing unique and creative web design products including websites, web graphics,
and developing various programs for their client’s blogs or websites. Along with
the ability to use their natural designing skill in a rewarding profession, web
designers and developers have a variety of risks associated with their line of business.
The risks range from issues that may come up with the work they have done for their
clients, security breaches, or accidents that can happen in their work office. Web
designers insurance is available in many different types of policies in order to
cover these and other risks that may arise with being a web designer or developer.
Types of Web Designers Insurance
A variety of types of web designers insurance is available to cover possible risk
exposures of owning a web designing business, including natural disasters and extreme
weather conditions that can cause damage to equipment or offices, security breaches
or employee dishonesty acts, or mistakes made by the designer that caused the client
to lose money or business.
Web Designers General Liability Insurance
Many web designers and developers conduct business out of a formal office, where
they might have visitors or potential clients visit their workspace. This increases
the risk of bodily injury to anyone who visits their web design business due accidents
can happen, such as a visitor tripping over cords or furniture in the web design
studio. General liability insurance for web designers provides coverage to the web
designer if he is sued over damages from this type of occurrence.
Web Designers Business Owners Policy (BOP)
A business owners policy, also referred to as a BOP, is a type of business insurance
that offers protection from a combination of risks. As a web designer, your electronic
equipment — like your computer, printer, and scanner — is essential for your job.
If something happens in your office which causes the equipment to malfunction, your
BOP policy can help you pay for repairing the equipment or replacing it altogether.
It also helps provide assistance if you will be out of work for the length of time
the equipment is repaired or replaced. Your web designing business also most likely
has expensive software applications for your design and developing work, which is
protected by your business owners policy in the case of your hard drive crashing
or other electronic malfunction.
Other Web Designers and Developers Insurance
Aside from general liability and a comprehensive business owners policy, there are
other insurance options for web designers and developers that protect against additional
risks that may arise. Protect your web designer business with the following policies:
Web Designers Professional Liability Insurance
In the case of a client suffering from a financial burden from an error, mistake,
or oversight while designing their website, or developing a program for their business,
your own web designing business will be protected with professional liability insurance.
This type of insurance for web designers policy offers you financial protection
if a project you have made a mistake on a project which the client is now suing
you for.
Web Designers Commercial Auto Insurance
Any time you use a vehicle for business purposes, whether it is to pick up supplies,
drop off materials, or to visit a client, commercial auto insurance is essential.
Commercial auto insurance policies protect your business from financial burden if
you or one of your employees gets in an accident while using the vehicle for business-related
purposes.
Web Designers Workers Compensation
If your web design business has employees working for you, such as other web designers
or developer assistants, you are required by law to carry workers compensation insurance.
In the case of an employee becoming injured in your web design office, they will
be covered by worker’s compensation insurance for medical care and treatments, as
well as providing them with income assistance if they are unable to work while their
injury is being treated.
Bond
Surety bonds acts as a guarantee that you will abide by any contracts you have with
your clients, such as your turnaround time, promise of high quality work, and other
terms that may be listed on the contract. By being bonded, you are showing your
client that you run a reputable business that commits to each project.
You have worked hard to form a web design business that is known for a reputation
of quality work — and you should therefore protect your business from a host of
risks that can arise through business practices. Offer your business the security
and web designer insurance protection it deserves with policies that protect your
financial and business assets.
