Web Developer Insurance

It is always a good idea to have an insurance policy which closely matches your business needs. Every company is different and faces a unique set of threats, so you need to know you’re covered for everything which can go wrong.

If you like. However, you will need to make sure your policy allows for this. Some will only cover contents when it is inside the office as standard. If you want to cover contents beyond the office, you may have to take out additional cover.  This may be useful to cover things such as laptops or mobile phones.

You’re only responsible for items you own or the people your responsible for. If you rent, therefore, insuring the building will be your landlord’s responsibility.  You will need an office policy to cover your own contents, equipment and computers and also protect against claims for injury to the public (public liability) or your staff (employer’s liability).

Sometimes. An insurer may choose to exempt certain risks from a policy. Make sure you have read your terms and conditions to make sure you understand what these might be.

Yes. The more precautions you take, such as maintaining good health and safety policies and keeping property secured, the less likely it is that you will suffer a claim. The longer you go without claiming the better your chance of securing a lower premium. At the same time, it pays to shop around. It’s a competitive market out there and you should use that to your advantage.

Every web development business is different and insurance policies will vary depending on individual needs. Public liability will be required if you deal with clients in person, as this covers accidents that cause personal injuries or property damage. And if you employ staff, employer’s liability insurance is compulsory.  The vast majority of policies will not include professional indemnity cover, which covers developers if a client is unhappy with their work and decides to make a claim.  This cover is often an optional extension or is available as a separate policy.

Yes, you can insure a website. Website insurance covers the costs of repairing or rebuilding a website if it is damaged or destroyed. This can be useful in situations where the website is hacked, vandalized or hit by a natural disaster.

Yes, you need insurance for an ecommerce business. Ecommerce businesses are at a higher risk of fraud and theft, so it is important to have insurance in place to protect the business.

Yes, you need insurance for dropshipping. Dropshipping is a type of business where products are shipped directly from the supplier to the customer. This can be a risky business model, so it is important to have insurance in place to protect the business. If you’ve designed a website for a dropshipping business, then specialised web developer insurance can be extremely important.

You don’t technically need insurance for an online shop, but it can be extremely helpful. If your website goes down, or you run into stock issue, or any one of a thousand possible problems, your insurance is there to protect you. Online shops are at a higher risk of fraud and theft, so it is important to have insurance in place to protect the business.