Insurance is available whether you’re the owner of a web development firm, a freelance web developer, or an employed professional. Getting insured isn’t an essential requirement. However, purchasing business insurance can prevent your income from plummeting to the ground when the unexpected happens.
Web developer insurance is the tailored protection package you’re looking for. This consists of general liability, workers’ compensation, professional liability, and other policies also found in web design web design and app developer insurance programs.
Web Developer Liability Insurance
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $1,000,000 | $100,000 | $5,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 |
Clients, independent contractors, and other third parties can experience accidents while in your office space. You can be held liable for bodily injuries or property damage. This is why it’s important to get general liability insurance.
General liability insurance takes care of medical treatments, reimbursement for property damage, and legal expenses if third parties file a claim for bodily injury or property damage.
Use the table above to compare the web developer liability insurance of companies we recommend.
What makes this insurance for web developers very useful is that it comes with advertising and personal injury coverage.
General liability insurance grants a sense of security if you’re worried about the arising problems if you copy another website’s graphics or features, as provided by an IT consultant. A general liability policy can also cover claims for:
- Copyright infringement
- Slander
- Libel
- Violation of confidentiality
Note that you can add optional policies to general liability insurance. These are the most common add-ons you can include in this policy’s language:
- Hired/non-owned auto liability coverage
- Tools and equipment coverage
- Customer property protection coverage
Short-Term General Liability Insurance For Freelance Web Developers
General liability is available as a short-term policy that you can use as a freelance web developer insurance by the hour, day, week, or month. A short-term general liability policy has similar limits to a long term general liability policy. The only thing that makes it special is that you can decide how long the coverage lasts.
Professional Liability Insurance For Web Developers
| CoverWallet | NEXT | Thimble (Best) | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 |
A professional liability policy, also included in IT contractor insurance bundles, is another type of web developer business insurance that you shouldn’t skip.
Web development is a service-oriented industry. The design and construction of a website rests on your shoulders. A client can file a claim if they lost a huge amount of money due to poor website design, cyber security errors, server errors, slow site speed, and other issues that were caused by your work.
Professional liability insurance, also called professional indemnity insurance, provides protection in this instance. This web development insurance covers the claims for:
- Negligence
- Violation of good faith
- Violation of confidentiality
- Breach of contract
- Inaccurate advice
Use the table above to compare the professional indemnity insurance for web developers from companies we recommend.
You can include a defective work coverage in your professional liability insurance for web developers. Say if a client files a claim and accuses you of submitting a half-baked output, the defective work coverage of professional liability insurance will cover refunds, legal costs ,and extra labor for repairing the website.
Cyber Liability Insurance For Web Developers
Vulnerabilities are always present no matter how well you craft the security protocols of a website. If you store and handle the sensitive data of people, it’s important to have a countermeasure in case data breach, hacking, and other exposures happen.
Cyber liability insurance is what you need. When the sensitive information of third parties are leaked and used for malicious purposes because of your fault, this insurance will cover the expenses for:
- Customer notification
- Legal expenses if affected customers decide to sue
- Data breach containment and recovery of lost data
- Business interruption
It’s easy to get cyber liability insurance for your web development business. You can include it as an optional coverage to general liability insurance or business owner’s policy. Use the table above to compare the cyber liability insurance of companies we recommend.
Get all the best quotes from leading providers in a click of a button!
Tools And Equipment Insurance For Web Developers
| NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $5,000/$25,000 |
| Covers hired and borrowed equipment? | $5,000/$10,000 | $2,500/$5,000 | No |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | No |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
Most think that web development only involves high-end computers. This is partly true in the case of freelancers. However, if you run a web development firm, then further investments must be made for employee workstations, tablets, server computers, RAMS, and SSDs.
Tools and equipment insurance covers the items we mentioned. This will cover repair or replacement expenses in case of damage, loss, or destruction caused by:
- Theft
- Vandalism
- Fire
- Operator error
- Electrical shorts
- Electrical surge
- Mechanical breakdown
Use the table above to compare the tools and equipment insurance of companies we recommend.
Insurance companies that offer coverage online sell tools and equipment insurance as an add-on to a general liability policy. But still, you can find insurance companies selling stand-alone tools and equipment insurance with heftier limits .
Commercial Property Insurance For Web Developers
| CoverWallet | NEXT (Best) | Hiscox | Thimble | |
|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $210,000 | $25,000 | $25,000/$500,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000 | $25,000/$500,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | Included | $5,000/$10,000 |
| Money and securities | Excluded | $2,500 | Included | $1,000 |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | Excluded | $10,000 |
| Employee dishonesty floater | Excluded | $5,000 | Included | $2,500 |
Purchase commercial property insurance if your web development business runs from a stand-alone office building, a commercial condo, coworking space, garage, or any other physical space.
Fires continue to be one of the leading causes of commercial losses in the United States. Commercial property insurance grants quick protection against this exposure.
This is the small business insurance for web developer that will reimburse your losses if the office, commercial condo, coworking space, garage, or any other physical space gets damaged or destroyed because of:
- Fire
- Theft
- Vandalism
- Malicious mischief
- Weather
- Aircraft
- Vehicle
- Falling objects
- Sinkhole collapse
- Volcanic action
Commercial property insurance can also cover computers, valuable papers and records, furniture, and other precious items inside the building. But note that coverage only applies to damage or loss that happen in the business premises.
Business Owner’s Policy For Web Developers
| CoverWallet | Thimble | NEXT (Best) | Hiscox | |
|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $210,000 | $25,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes |
A business owner’s policy, or a BOP for short, combines general liability and professional liability insurance. That said, it’s one unique small business insurance for web developer that grants protection against legal liabilities and commercial property loss.
Consider getting a business owner’s policy if your business is new and starting to pick its pace. Use the table above to compare the BOP of insurance companies we recommend for web developers.
Your investment for a business owner’s policy is way cheaper than when you get commercial property and general liability insurance separately. That said, go for this if you want to save money on premiums.
Workers Compensation Insurance For Web Developers
While it’s a stationary job, developing a website requires long hours of coding. This can take a toll on your employee’s health. And so, it’s important to get workers compensation insurance. Your business can use this to cover the following expenses:
- Medical treatment
- Hospitalization
- Medication
- Rehabilitation
- Lost wages
- Funeral expenses and allowance to dependents in case of death
You can add an employer’s liability insurance to a worker’s compensation policy. Employer’s liability insurance can take care of settlements, defense costs, and other expenses if an employee sues your web development firm after sustaining a work-related injury or disease.
Help others make better decisions
Web Developer Insurance Cost
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $35 | $420 | $0-$500 |
| Professional liability insurance | $41 | $492 | $500-$1,000 |
| Cyber liability insurance | $59 | $708 | $1,000-$1,500 |
| Commercial property insurance | $37 | $444 | $1,000-$2,500 |
| Business owner’s policy | $72 | $864 | $500-$1,000 |
| Workers compensation insurance | $80 | $960 | $2,000-$5,000 |
The average web developer insurance cost is $35 per month or $420 per year for a $1 million general liability insurance. This assumes that you have 5 employees and make $500,000 or less per year. Factors that determine the cost of premiums for web developer insurance are:
- Claims history
- Business history
- Number of employees
- Location
- Annual revenue
- Policy limits and deductibles
Here’s another table that shows the cost of a $1 million general liability insurance from the best web developer insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for web developers |
| CoverWallet | $27 | $324 | Web developer insurance online quotes comparison |
| Tivly | $29 | $348 | Comparing web developer insurance quotes over the phone |
| Hiscox | $31 | $372 | Web developer insurance with automatic renewal |
| Thimble | $33 | $396 | On-demand web developer insurance |
| AXA | $35 | $420 | Multinational web design firms |
| The Hartford | $37 | $444 | Small web development businesses and freelancers |
To compare web developer business insurance quotes from these carriers, simply click ‘Get Quotes’ on this page, complete the form and have them compete for your business while giving you their best possible rates, coverage options, and value for money.
Get all the best quotes from leading providers in a click of a button!
Best Web Developer Insurance Companies
When looking for the best insurance for web developers, one of the most crucial things you can do is find the right company. In this section, we’re going to look at a couple of the best web developer insurance companies that you can work with. Read the reviews below to know their pros, cons, and pricing for a $1 million general liability coverage.
NEXT Web Developer Insurance
Pros
- Best overall
- Get an online proof of insurance and send as a text message, email, or social media post
- Fastest general liability insurance for web developers
- Great customer service and reputation
- Issues an online proof of insurance instantly
- Outstanding value for money
- Bundle two or more insurance policies and get a 10% discount
Cons
- Couldn’t find any
NEXT’s web developer insurance is offered in partnership with Tivly. You can choose to get a basic, premiere ,or deluxe insurance package from this company. We suggest you go for the deluxe insurance option that offers the following:
- $300,000-$1,000,000 general liability insurance
- $1,000,000-$2,000,000 professional liability insurance
- $210,000 commercial property insurance
- $5,000-$10,000 tools and equipment insurance
- Workers compensation insurance
Best for: Best overall; Fastest general liability insurance for web developers
Average cost: $25 per month
Our rating: 10/10
CoverWallet Web Developer Insurance
Pros
- Compare web developer insurance quotes online
- Easily add an unlimited number of additional insureds
- Online claims filing and policy management
- Cancel a coverage anytime with no charges
Cons
- Not an insurance company but an insurance broker
CoverWallet is a great option if you plan to check out numerous options before getting covered. This company has an online insurance quotes comparison platform that allows you to see the features of the web developer insurance program of different insurance companies. Once you’re done comparing quotes, you can then proceed to purchase a coverage.
Policies you can get from this company are general liability, commercial property, professional liability, and more. Your general liability insurance from CoverWallet has a $1 million per occurrence limit and a $2 million aggregate limit.
Best for: Web developer insurance online quotes comparison
Average cost: $27 per month
Our rating: 10/10
Tivly Web Developer Insurance
Pros
- Responsive customer service
- Call and compare quotes over the phone
- A partner of many reputable insurance companies
Cons
- You need to call to get a quote
Tivly can create a highly tailored web developer insurance package for you, which consists of general liability, commercial property, and other policies sold by its partners. You can apply for a quote online. However, you need to call Tivly and talk with a representative to know the features of your coverage and purchase it.
Best for: Comparing web developer insurance quotes over the phone
Average cost: $29 per month
Our rating: 10/10
Hiscox Web Developer Insurance
Pros
- Quick claims responsiveness
- Worldwide coverage
- Sells the short-term general liability insurance of Thimble
- 14-day money-back guarantee
Cons
- Doesn’t sell commercial property insurance as a stand-alone policy
Hiscox acts as an underwriter for Lloyd’s of London, which is one of the oldest and most prestigious insurance companies in the world. While Hiscox got started with marine insurance, they have since pivoted to niche insurance that other providers don’t offer.
Hiscox’s web developer insurance policies include professional and general liability coverage, and these policies feature specific add-ons that suit web developers like copyright protection. Hiscox also offers BOPs to their web developer clients, combining liability and commercial property coverage.
Best for: Web developer insurance with automatic renewal
Average cost: $31 per month
Our rating: 9/10
Thimble Web Developer Insurance
Pros
- On-demand coverage
- Quick to issue an estimate of your rates
- Numerous add-ons available to your coverage
- Sells short-term general liability insurance
Cons
- You can’t reach customer service by calling
Thimble sells general liability, commercial property, and workers’ compensation insurance for web developers. You can avail general liability insurance as a stand-alone long-term or short-term coverage with a $1 million-$2 million per occurrence and aggregate limit. The long-term general liability insurance of this company can be added with professional liability coverage, customer property protection coverage, and business equipment coverage.
Workers’ compensation insurance is also available as a stand-alone policy. Commercial property insurance, on the other hand, is automatically bundled with general liability insurance the moment you try to get a quote for it.
Best for: On-demand web developer insurance
Average cost: $33 per month
Our rating: 10/10
AXA Web Developer Insurance
Pros
- Flexible insurance options
- Customer-oriented services
- Data risk add-ons available
- Very transparent claims handling
Cons
- You might need to call an agent to thoroughly understand how your insurance package works
AXA offers web developer insurance through its web design coverage program. These business insurance policies include professional liability coverage as well as business equipment coverage that will pay out in case any of your computers are stolen or damaged.
AXA also offers add-ons so you can tailor your web developer insurance policy to your liking, including breach of copyright and data protection.
Best for: Multinational web design firms
Average cost: $35 per month
Our rating: 9/10
The Hartford Web Developer Insurance
Pros
- Wide range of policies
- Works well with freelance developers
- Sells a short-term general liability policy
Cons
- A little slow to respond to claims
The Hartford was founded in Hartford, CT, in the 1800s by a group of wealthy merchants who pooled their resources to create a finance and insurance company. The Hartford is one of the oldest insurance carriers in America.
The Hartford specializes in providing web developer insurance to freelance workers. They offer a wide range of policies, including general liability insurance, commercial property insurance, business income insurance, and more.
Best for: Small web development businesses and freelancers
Average cost: $37 per month
Our rating: 8/10
