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As a specialist insurer for over 25 years, we have expert knowledge of the risks facing web design professionals.
Our web designer insurance, including professional indemnity insurance and liabilities cover, can give you the peace of mind your business is covered against the range of professional risks you face daily.
Cover at a glance:
- £50k–£5m professional indemnity cover available
- Protection against client claims for design errors or missed deadlines
What is web designer insurance?
Web design insurance is a suite of insurance policies, including professional indemnity insurance and public liability insurance, which have been specifically written to meet the risks and requirements of the creative media industry.
The professional indemnity policy offers cover for legal costs incurred in defending a claim if a client is unhappy with your work and decides to take action against you for a financial loss they have suffered allegedly as a result of the website work you completed for them. Our public liability insurance offers cover if a claim is made against you for alleged property damage or if you are accused of causing an injury to a member of the public.
Cover starting at
£5 a month*
*From £5 a month quote is based on a web designer requiring Public Liability (including Products Liability) Insurance only.
Do web designers need insurance?
An error in a website design that causes your client to lose money, or a visitor injuring themselves whilst visiting your office, or the theft of a computer containing expensive design software, each of these instances could cost your business thousands of pounds. Our web designer insurance offers cover for your business against these risks and others.
How do I arrange web designer insurance?
Building your web designer insurance policy quote online is quick and easy. Our simple quote system will ask about your business activities and offer you covers that may be of interest. You can choose to buy all or just some of the covers offered, so you will only ever pay for the cover you want.
Do I need freelance web developer insurance?
If you’re a freelance web developer, obtaining the appropriate level of insurance is a worthwhile consideration. Despite your experience, mistakes can still happen. By ensuring you’re covered, you’ll have peace of mind knowing that you won’t face a personal strain on your finances if a claim is made against you.
What is professional indemnity insurance for web designers?
Web designer professional indemnity insurance could protect web designers if a client alleges that your work or advice caused them financial loss. This could range from claims relating to design errors, websites that aren’t functioning as expected or copyright issues. It covers legal defence costs and compensation, helping you to manage disputes without putting your business or personal finances at risk.
Do web designers need public liability insurance?
Public liability insurance is a worthwhile consideration for web designers, as it could protect you if you caused injury to a third party while on site, or caused damage to a third-party property during business activities.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Tailor your web designers insurance online with these specialist covers
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Professional indemnity insurance
Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This is vital protection for web designers and insurance cover is available with limits ranging from £50,000 to £5m.
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Public and product liability insurance
Public liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you visit clients, or they visit you, you may want to consider this cover. Limits range from £1m to £5m.
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Employer’s liability insurance
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If you employ other web designers, this cover is essential. Cover for £10m.
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Legal expenses insurance
Commercial legal expenses insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Directors and officers insurance
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Office insurance
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
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Occupational personal accident insurance
Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14-day deferment period) due to an accident at work, or when travelling to and from work. In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out. You should consider this cover if you would struggle to maintain an income following an accident that left you unable to work. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).
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Cyber and data risks insurance
Cyber insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber-attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does web designer insurance cost?
Web designer insurance costs can vary depending on several factors, including:
- The level of coverage you need
- The level of risk
- If you have any employees
Web designer insurance policies start from £5 per month* at Markel Direct.
*Based on a website designer requiring £1,000,000 public liability cover.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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I need professional indemnity insurance to secure a contract - do you provide proof of cover?
Yes. If you purchase your policy with us, your documents are emailed to you instantly and include a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) which you can present to agencies and clients as proof of cover.
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Is my past work covered?
We cover past work if you have held professional indemnity insurance uninterrupted prior to arranging your policy with us.
If there was a period of time where you did not have professional indemnity insurance in force (for example, you have never arranged professional indemnity insurance before, you chose not to renew a previous policy or you cancelled a previous policy at the end of a contract) we are unable to cover past work.
If you require further clarification, don't hesitate to call us on 0800 640 6600.
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What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
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Is public liability insurance necessary if I work from home?
Public liability insurance is still a worthwhile consideration, as you could face potential risks when visiting client sites. This type of cover could protect you if you accidentally caused damage to a third party during business activities or to their property.
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Is web designer insurance worth it?
By ensuring you have the appropriate level of cover in place, you’ll have peace of mind knowing that you’re covered against potential damage to your business, your reputation, and your personal finances arising from potential claims.
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What types of insurance should a web designer have?
Web designers could benefit from a combination of covers, which can be tailored to your business needs. These can include:
Professional indemnity insurance: protects against claims of negligence, design errors, missed deadlines, or copyright issues.
Public liability insurance: covers claims of injury or property damage you cause to third party during business activities.
Cyber insurance: covers the losses relating to the damage to, or loss of information from networks and IT systems.
Office insurance: covers your laptop, software, hardware, and specialist kit used for your work.
Employer’s liability insurance: legally required if you have staff, contractors, or trainees. It safeguards your business against compensation claims made by employees if they are injured or become ill as a result of the work they do for you.
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What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.
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Why should I choose Markel Direct's Insurance
Markel Direct has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
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How are Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
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