Web designer insurance

What is business insurance for website designers?

You make responsive, user-friendly websites – and striking ones at that. You’ve got an eye for design and you code like a pro. Whether you’re a whizz in HTML, CSS or PHP – you create web pages with graphic edge and technical flair. And that’s a skill worth protecting.

But sometimes, things don’t always go to plan. When you’re running your own business – and dealing daily with clients – you need to know you’re protected against any unexpected mishaps. And that’s where AXA’s business insurance for website designers comes in.

What does business insurance for web designers cover and do I need it?

AXA’s business insurance for web designers protects you from any liability claims made against you – plus other everyday risks like damage, loss or theft.

What if one of your creations doesn’t have the right privacy settings and there’s a breach of data, leaving you liable for costs you can’t afford? Thankfully, AXA’s professional indemnity insurance can protect you against legal fees, expenses, compensation costs andany other costs incurred in your defence.

If a client or member of the public is accidently injured in your workspace or studio, public liability can help you deal with possible fees. And if you employ anyone (even interns, apprentices or temporary staff) – you’re legally required to have employers’ liability insurance.

Working in tech, there’s no doubt you’ll also want to keep your state-of-the-art gear safe. Add business equipment insurance to any of the above core covers – and protect computers, mobile andother essential work tech. We can protect you whether you’re a one-man-band working from home, a full-fledged operation with premises or somewhere in-between.

No matter where you are in your business, you can adjust your cover to meet your changing needs.

Do I need business insurance if I am a self-employed web designer?

Yes. Even if you’re self-employed and/or you work from home, you could still be liable for a client’s financial loss or breach of data as a result of poor service, advice or design you’ve provided. Professional indemnity insurance will protect you against any claims made against you.

We know you rely on up-to-date, powerful and expensive technology to keep your business running smoothly. That’s why our business equipment covers the computers, laptops, mobiles and other hardware you can’t do without.

It’ll cover you wherever you go in the UK, so if you lose something in transit or it’s stolen, it’ll keep you protected. And if you’re stationed in an office or studio, our contents insurance covers fixtures and fittings, plus offers accidental damage cover as standard.

How much does business insurance for web designers cost?

In 2020, 10% of our web designer customers paid £61.59* for their cover. But because our business insurance is tailored to the needs of the individual business, the price will vary according to the size of your business, the levels of cover you choose, and any optional extras you add to your policy.

The easiest way to find out your price? Get a quote online - our made-to-measure model means you’ll only pay for the bits you need, not the bits you don’t. And you’ll get a 10% discount for buying through our website.

Does business insurance cover data risks?

Yes. You can add various add-ons and extras to your professional indemnity policy including cover for ‘breach of confidentiality’ and ‘data protection and copyright breaches’.

In the case of a data protection leak, this could prove an invaluable investment – helping you pay for expensive compensation claims and legal fees if you’re proved to have caused a financial loss for a client.

 

What types of cover can I choose from?

Tailor your insurance to suit and only pay for the bits you need.

Professional indemnity

Up to £5 million cover if you’re found to provide advice, design or suggestions that have caused a financial loss for a client. Plus choose from add-ons like ‘data protection and breach of copyright’.

Find out more about professional indemnity insurance

Contents cover

Safeguard the contents of your workspace – from chairs, desks and office kitchen equipment – whether you work from your own base, a rented studio or your own premises.

Find out more about contents insurance

Public liability insurance

Up to £5 million cover for legal defence costs and compensation, in case of injury or damage caused to a third party or premises.

Find out more about public liability insurance

Employers’ liability insurance

£10 million cover for legal costs and compensation to keep your staff safe, in case of illness or injury as a result of working for you.

Find out more about employers liability insurance

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* 10% of customers with this type of business paid this between January and October 2020.