Insurance for Web Designers

Web designers strive to provide high quality web designs and meet all the expectations of their clients. A higher satisfaction rate ensures the happiness of the current clients, and it also attracts new ones. Most web designing projects end on a happy note with a paid invoice, and perhaps even an introduction to a new client. However, like most other jobs in the technology sector, web designers are very likely to face the prospect of delayed projects in their career. There are a lot of factors that can delay a project, and this is the main reason why insurance for web designers should be a top priority.

Unexpected setbacks are to be expected in any work environment. Nevertheless, a lot of people are clueless about the potential damage that can be done to them or their web development company due to claims made against them. Whether the damage is caused due to any theft, errors in website design, injury to any of your visitors or employees, your financial situation will be under a huge risk if a claim is made against you or your business.

Insurance for web designers can cover a lot of potential risk factors, or only a few of them according to the business’ needs. Many insurance providers offer customized insurance tailored to fit one’s unique requirements. Some of the customized insurance packages for web designers are:

Professional Indemnity Insurance

Professional indemnity insurance is extremely important for web designers owing to the nature of their jobs. It protects the web designers against allegations and claims of professional negligence. Most of the clients will be relying on the website design to further their own financial transactions and conduct business; however, if the website design could result in a financial loss for the client, professional indemnity insurance will cover all the costs associated with defending against such claims. If the claims cannot be defended successfully, then the insurance will also cover the cost of the damages that are awarded against you.

Professional Liability Insurance

Professional liability insurance is almost the same as professional indemnity insurance, but it covers damages that may be arising due to creative differences between the client and the web designer. Most of the times, the website design may not live up to the client’s expectations, or it may not function as needed. Even though the fault lies with no one, the client may proceed to make a claim against the web designer for professional negligence. In such cases, professional liability insurance will cover all the expenses related to defending against or claims, or the settlement. According to most insurance providers, both professional indemnity insurance and professional liability insurance mean the same. You should read the documents and terms of conditions carefully before you apply of any such insurance packages.

Copyright Infringement

This is one the most common risks faced by many graphic designers. In real world, it is not uncommon to see many clients move against the web designers due to copyright infringement claims. Making use of an unlicensed image, or perhaps even an improperly licensed image in a website design can land the web designer in trouble due to copyright infringement; the same is true even if it was completely unintentional. The same holds true for using music or any other copyrighted elements in your website design.

General Liability Insurance

General liability insurance covers the costs of accidental property damages. Usually, it covers the damages that are causes to the client’s property, rather than one’s own property. Damaging any client’s property might attract claims to be brought against the web designer, and general liability insurance will cover all the costs associated with it up to a certain limit. This will also cover any mishaps that may be caused to a client. If a web designer is frequently required to visit a client’s office, or needs to invite clients over, then general liability insurance is a highly recommended option.

Equipment and Tools Protection

It is essential that all the web designers insure their tools of the trade. This includes laptops, computers, tablets, smartphones, expensive screens, professional softwares, and many more products and equipment. This type of insurance will cover any damages that may be caused to these tools, and depending on the insurance cover opted for, it may also cover theft related damages. An insurance plan covering the basic needs of the web designer is very vital for any business environment.

Business Owner Insurance

Web designers are involved in moving huge amounts of data between different devices, including their own and their clients. Complications arising during the transfer of digital media files can result in data loss, which can be a great setback. Data is the bread and butter of any web designer, and losing it in an instant will undo the time and money invested in procuring and producing it. The data loss could be due to umpteen reasons: computer virus, malware, hard disk failure, fire, etc… This will result in a complete loss of income for the business, and jeopardize its functioning. Hence, it is extremely important that web designers include business cover insurance in their insurance plans.

Web designers strive to provide high quality web designs and meet all the expectations of their clients. A higher satisfaction rate ensures the happiness of the current clients, and it also attracts new ones. Most web designing projects end on a happy note with a paid invoice, and perhaps even an introduction to a new client. However, like most other jobs in the technology sector, web designers are very likely to face the prospect of delayed projects in their career. There are a lot of factors that can delay a project, and this is the main reason why insurance for web designers should be a top priority.

Unexpected setbacks are to be expected in any work environment. Nevertheless, a lot of people are clueless about the potential damage that can be done to them or their web development company due to claims made against them. Whether the damage is caused due to any theft, errors in website design, injury to any of your visitors or employees, your financial situation will be under a huge risk if a claim is made against you or your business.

Charles E. Dvorak is a freelance writer who is infact insured for his small consulting and writing business by leading startup insurance company Insurance4Technology.com