Website Design Insurance: Business Insurance for Web Designers

A website designer, just like a web developer, sees to it that a website doesn’t only benefit users but also produces revenues. 

Similar to developing an app, a lot of things can go wrong when designing a site. And so, many web design firms and freelancers face a lot of pressure when the unexpected happens. 

Web design insurance is the packaged insurance program that grants protection against claims for bodily injuries, property damage, copyright infringement, and negligence. You can also use this as a protection for computers and other valuable devices for your work.

Web Design 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

 

General liability insurance is an essential part of your risk management plan as a web design firm owner or a freelancer. Use the table above to compare the general liability insurance of companies we recommend. 

When business operations result in bodily injuries or property damage, this type of web design liability insurance grants the protection you need. Here are some situations where general liability insurance is useful:

  • A visitor slips and falls while in the office of your web design firm

  • A defective computer electrocutes a computer technician you hired

  • A client trips over a wire and falls on the floor while exiting your office  

General liability insurance covers these expenses when a claim for bodily injury or property damage is filed by clients, independent contractors, and other third parties against your business:

  • Medical treatments

  • Reimbursement for property damage

  • Attorney fees and other legal expenses

  • Court judgments

Just like a graphic design firm and IT consulting firm, your web design firm can also use a general liability policy to cover claims for copyright infringement, slander, libel, and other related offenses. Coverage applies even if the accusation is frivolous. 

General liability insurance is very comprehensive, and it might have automatic or optional add-ons. These are what you’ll commonly find included:

  • Hired/non-owned auto liability coverage

  • Rented premises liability coverage

  • Products and completed operations coverage

  • Tools and equipment coverage

Professional Liability Insurance For Web Designers

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 lot of issues can happen in your work. You might fail to follow instructions, and this results in an unsatisfactory output. It’s also possible for you to miss fine details, and the client can be forced to find another web designer to reverse your mistake. 

Professional liability insurance can help if a client holds you responsible for negligence or oversights. This website design insurance will account for defense costs, settlements, and other expenses associated with the claim. 

Use the table above to compare the professional liability policy of insurance companies we recommend for web designers. 

Aside from negligence and oversights, these are other exposures that professional liability insurance can take care of:

  • You and a client are working on a new type of web interface. Before it’s launched, you accidentally shared some important details to a third party

  • The information stored in your computer system was wiped accidentally. Because of this, you failed to finish a website’s design on time

  • A client accused you of leaving his project midway to prioritize another customer who gives better pay 

Professional liability insurance and general liability insurance work together to provide comprehensive protection. This is why some insurance companies only sell a professional liability policy if you get a quote for a general liability policy. 

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Commercial Property Insurance For Web Designers

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


Financial losses don’t only result from liabilities. Property damage also threatens your business. This is why you need to add a commercial property policy to your web designer insurance package. 

Use the table above to compare the commercial property insurance of companies we recommend for web designers. 

Commercial property insurance, also included in IT contractor insurance bundles, protects the coworking space, commercial space, or dedicated building that you’re using as the office of your business. This web design business insurance will help you survive in case the office gets damaged or destroyed because of:

  • Fire

  • Theft

  • Vandalism

  • Malicious mischief

  • Sinkhole collapse

  • Volcanic action

  • Lightning

  • Weather

  • Aircraft

  • Vehicle

  • Falling objects

The office isn’t the only business property you have to think about. Inside it are valuables that are integral for business operations. And so, commercial property insurance can also provide coverage if something happens to computers, office documents, furniture, HVAC units, CCTV cameras, and other precious objects. 

Note that commercial property insurance only covers tangible business properties, meaning those that exist physically. Coverage doesn’t apply to software, picture files, music files, and other related intangible properties. 

Commercial property insurance can still provide help if you’re a home-based web design business. Nowadays, insurance companies allow their commercial property policy to cover a customer’s house, condo, or apartment that’s being used as a private office or manufacturing facility.


Tools And Equipment Insurance For Web Designers 

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


So how do you comprehensively cover the computers of your web design business? The most practical method is buying a tools and equipment insurance policy. Use the table above to compare the tools and equipment insurance of the companies we recommend. 

Note that computers aren’t the only things covered by this insurance for web designers. Tools and equipment insurance also insures:

  • Hard drives

  • USBs

  • Tablets

  • Cameras

  • Printers

  • Computer monitors

Now let’s discuss how tools and equipment insurance for web designers work. You can use this to cover repair or replacement costs in case the items we mentioned above sustain damage or get lost because of:

  • Fire

  • Theft

  • Vandalism

  • Electrical surge

  • Electrical shorts

  • User error

Insurance companies sell tools and equipment insurance as a stand-alone or optional policy. A stand-alone tools and equipment insurance has comprehensive limits. The optional tools and equipment insurance, which is usually offered as an add-on to general liability or commercial property insurance, allows for convenience. 


Business Owner’s Policy For Web Designers

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


You want to cover your business against liabilities and commercial losses. And so, you’re thinking of purchasing commercial property and general liability insurance. This is a good decision. However, what if we tell you that there’s a more convenient option? 

Use the table above to compare the business owner’s policy of companies we recommend for web designers. 

A business owner’s policy is an insurance product that’s made by combining general liability and commercial property insurance. In other words, this insurance provides immediate coverage against legal liabilities and business property damage. 

Another thing you need to know is that the premiums of a business owner’s policy are comparably lower to the premiums of general liability and commercial property insurance when bought separately at the same time. 

Depending on which insurance company you work with, a business owner’s policy might offer add-ons such as cyber liability insurance, hired/non-owned auto liability coverage, business interruption insurance, and others. 


Cyber Liability Insurance For Web Designers 

Cyber liability insurance grants protection against data breach, cyber security gaps, and other exposures common to businesses that operate in the IT industry. This insurance will cover the following costs in case a covered peril happens:

  • Public relations

  • Professional services for data breach containment, data recovery, etc. 

  • Legal defense if affected parties file a lawsuit

You can get cyber liability insurance as an add-on to general liability insurance or business owner’s policy. 


Excess Liability Insurance For Web Designers

It’s possible for claims to be so expensive that your general liability, professional liability, or cyber liability insurance can’t completely cover the costs. You might also exhaust the limits of these insurance policies. As a result, they can’t provide coverage anymore when third parties hold your business liable. 

It’s a good decision to get an excess liability policy. This kind of web design insurance will provide backup funds in case your general liability, professional liability, or cyber liability insurance can’t fully cover a claim. 


Business Interruption Insurance For Web Designers

Business interruption insurance can help if fire, theft, vandalism, weather, economic crisis, and other covered perils result in temporary business closure. While your web design firm isn’t operating, business interruption insurance will take care of payroll, mortgage, taxes, loans, and other operational costs. Note that you can get this insurance as an add-on to commercial property or business owner’s policy. 


Workers Compensation Insurance For Web Designers 

Long hours of working with a computer can result in eye strain, neck pains, back pains, and other injuries. If you employ people, it’s important to have an insurance policy that can help if work-related injuries or diseases happen. 

What you’re looking for is workers’ compensation insurance. Workers compensation insurance will take care of these expenses if an employee sustains a work-related injury or disease:

  • EMT service

  • Hospitalization

  • Medication

  • Rehabilitation and retraining

  • Lost wages 

  • Funeral expenses and allowance to dependents in case of death

Understand that your web design business must provide workers’ compensation insurance or else, authorities will impose stiff fines and penalties. However, don’t fret too much because this is only the case if you’re working with full-time and part-time employees.

If you’re only working with independent contractors, interns, and volunteers, there’s no need to get workers’ compensation insurance. 

By the way, your worker’s compensation insurance might offer an optional employer’s liability coverage. Employer’s liability insurance will cover settlements and legal expenses if an employee sues your business for negligence because of a work-related injury or disease. 

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Web Design Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $30

$360

$0-$500
Professional liability insurance $45

$540

$500-$1,000
Cyber liability insurance $50

$600

$1,000-$1,500
Umbrella liability insurance $54

$648

$1,000-$1,500
Commercial property insurance $40

$480

$1,000-$2,500
Business owner’s policy $60

$720

$500-$1,000
Business interruption insurance $44

$528

$1,000-$2,000
Workers compensation insurance $80

$960

$2,000-$5,000

 

The average web design insurance cost is about $30 per month or $360 per year for a $1 million general liability insurance coverage. Premiums are determined by your claims history, business history, location, number of employees, annual revenue, and payroll. The table below shows how much the best web design insurance companies charge for a $1 million general liability policy:

Cost per Month Cost per Year Best for
NEXT $20 $240 Best overall; Fastest general liability insurance for web designers
CoverWallet $22 $264 Web design insurance online quotes comparison
Tivly $24 $288 Comparing web design insurance quotes over the phone
Hiscox $26 $312 Small web design firms and freelancers
Thimble $27 $324 On-demand web design insurance
AXA $37 $444 Web design businesses that need higher coverage limits

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Best Web Design Insurance Companies

There are several companies operating in the web design insurance industry, and selecting the right one will determine what you can expect to pay for coverage and the kind of service that you get. Read the reviews below to know the best web design insurance companies’ pros, cons, and cost of a $1 million general liability insurance.


NEXT Web Design 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 designers

  • 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 insurance provides streamlined insurance services. This company allows you to choose between insurance packages that are tailored for the needs of startups, growing, or established web design firms. 

The basic package is the cheapest, and this offers a $300,000-$2 million general liability insurance and a $1 million professional liability insurance. Deluxe is expensive but offers the most comprehensive coverage. Here are its features:

  • $300,000-$2 million general liability insurance

  • $1 million professional liability insurance

  • $5,000-$10,000 tools and equipment insurance

  • $210,000 commercial property insurance

  • Workers’ compensation insurance with employer’s liability coverage

Best for: Best overall; Fastest general liability insurance for web designers

Average cost: $20 per month

Our rating: 10/10


CoverWallet Web Design Insurance

Pros

  • Compare web design insurance quotes online

  • Cancel a coverage anytime

  • Easily add an unlimited number of additional insureds

  • Helps you find comprehensive coverage at a reasonable rate 

Cons

  • Not an insurance company but an insurance broker 

Work with CoverWallet if you want to compare quotes online before getting covered. This company has an online quotes comparison platform that will allow you to take a glance at the different web design insurance packages of numerous insurance companies. To use this, you only have to provide some basic business information. 

Your general liability insurance from CoverWallet will have a $1 million per occurrence limit and a $2 million aggregate limit. Optional coverages might be included such as waiver of subrogation and hired/non-owned auto liability coverage. 

Best for: Web design insurance online quotes comparison

Average cost: $22 per month 

Our rating: 10/10


Tivly Web Design Insurance

Pros

  • Compare web design insurance quotes over the phone

  • Responsive customer service

  • Provides coverage regardless of your business profile

  • A partner of many reputable insurance companies 

Cons

  • You need to call get a quote 

This insurance company provides coverage regardless of your business profile. Tivly sells $1 million-$2 million professional liability and general liability insurance for web designers. Other policies available are business owner’s policy, commercial property, cyber liability, and more. Call Tivly now and talk with a representative to compare quotes over the phone. 

Best for: Comparing web design insurance quotes over the phone

Average cost: $24 per month 

Our rating: 10/10


Thimble Web Design Insurance

Pros

  • On-demand coverage

  • Quick to issue an estimate of your rates 

  • Sells a short-term general liability policy 

  • A partner of Hiscox

Cons

  • You can’t reach customer service by calling

Thimble’s coverage for web designers offers a business owner’s policy, general liability, and workers compensation insurance. 

This company’s general liability insurance has a $1 million-$2 million per occurrence limit. If you get a quote, Thimble might offer a $1 million-$2 million professional liability policy. Other optional policies you can avail are hired/non-owned auto liability coverage, business equipment coverage, and more. 

As for the business owner’s policy, Thimble designed this to offer $1 million-$2 million general liability insurance and $25,000-$500,000 commercial property insurance. You can also add optional policies to Thimble’s business owner’s policy. 

Best for: On-demand web design insurance

Average cost: $27 per month 

Our rating: 9/10


Hiscox Web Design Insurance

Pros

  • 14-day money-back guarantee

  • Automatic policy renewal

  • Choose between numerous limits and deductibles

  • Worldwide coverage

Cons

  • Customer service can be slow

Hiscox is an underwriter of Lloyd’s of London and they specialize in niche forms of insurance that you generally won’t get from other carriers. Web design is one of the many industries that Hiscox specializes in, and while they’re a British carrier, they do business in the United States.

Hiscox has three policies available for web designers, including professional liability coverage, general liability coverage, and BOPs. One of the unique things about Hiscox’s policies is that they offer upgrades. For example, this company’s general liability policy can be added with tools and equipment coverage, hired/non-owned auto liability coverage, waiver of subrogation, and primary and noncontributory coverage. 

Best for: Small web design firms and freelancers

Average cost: $26 per month

Our rating: 9/10


AXA Web Designers Insurance

Pros

  • Data risk add-on

  • One of the largest companies that offer commercial insurance solutions worldwide

  • Considerable industry experience

Cons

  • Relatively expensive

AXA is an insurance company headquartered in France, though they work in North America, Europe, and the Middle East. Unlike other insurance carriers, AXA is a conglomerate of many smaller businesses, which is why the company is able to operate in so many different countries.

AXA offers a range of different types of insurance for website designers, including contents coverage, professional indemnity, and employers’ liability insurance. They also offer add-ons to their policies that cover data risks, which is a common issue in the web design industry, and this shows that AXA knows its clientele.

Best for: Web design businesses that need higher coverage limits

Average cost: $37 per month

Our rating: 8/10

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