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. 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.
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.
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.
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:
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.
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.
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.
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.