Join over 1,100 web designers like you with cover from £3.19 per month*
Get tailored quotes in 7 minutes
Your clients count on you to turn their hopes and dreams into results. And despite every effort, projects and meetings don’t always go to plan, especially in a world of increasing tech complexity. Rather channel your energy into the task at hand than stressing endlessly about curveballs? That’s where web design insurance comes in.
We can help tailor your insurance to meet the needs of your web design business. Whether you’re worried about intellectual property disputes or accidental injuries, you can choose from a range of key covers to build yourself one flexible policy.
Public liability insurance for web designers
In case someone gets injured or their property gets damaged as a result of your web design business.
Employers’ liability insurance
In case an employee falls ill or hurts themselves while working for you.
Professional indemnity insurance
In case you've made a mistake in your work or provided a service that didn't meet the expected standards.
Business and office equipment insurance
In case something happens to your business and office equipment.
Portable equipment insurance
In case something happens to your portable equipment.
Legal expenses insurance
In case you have to pay legal costs while operating your web design business.
Personal accident insurance
In case you or anyone you've covered has an accident.
In case someone gets injured or their property gets damaged as a result of your web design business.
Claims against your business for:
For example:
What you’ll need additional cover for
Read more about public liability insurance
In case an employee falls ill or hurts themselves while working for you.
Claims against your business for:
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
In case you've made a mistake in your work or provided a service that didn't meet the expected standards.
Claims against your business for:
For example:
Read more about professional indemnity insurance
In case something happens to your business and office equipment.
For example:
What you’ll need additional cover for
Read more about business and office equipment insurance
In case something happens to your portable equipment.
For example:
In case you have to pay legal costs while operating your web design business.
For example:
Read more about legal expenses insurance
In case you or anyone you've covered has an accident.
For example:
Read more about personal accident insurance
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£14.67 /month
£126.73 /year
A start-up web designer just having completed their degree
Public liability insurance
£1,000,000
Employers’ liability insurance
Not included
Professional indemnity
£50,000
£39.23 /month
£348.69 /year
Small web design agency with 2 members of staff and no office premises
Public liability insurance
£2,000,000
Employers’ liability insurance
£10,000,000
Professional indemnity
£1,000,000
How we work out example quotes These examples are real quotes from our online system (created 30/03/2022). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £200 | £750 |
Business and office equipment | £100 | £750 |
Portable equipment | £100 | £500 |
Employers liability | No excess | No excess |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
Only pay for what you need
Choose the best fit for you
Get your documents the same day
Simply Business
Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Which type of workers do I need insurance for?
Does web designer insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider Web marketing or Marketing agency?
If you provide other services, make sure you’re covered:
Other types of insurance
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2022
Having web designer insurance through Simply Business has saved web designers thousands of pounds when the unexpected happened.
A client accused Bonita’s web design company (not her real name) of spilling a drink on one of their business laptops. There was no way around it – the laptop had to be repaired or replaced. Luckily she’d taken out insurance to cover her.
£1,728.00
Covering the cost of accidental damage
£100
The excess amount stated in Bonita’s policy terms
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
Compare and buy in minutes
Documents arrive today
Rated 4.7/5
Based on 39,755 reviews
Here to help
Help from UK-based experts
24/7 claims
Make a claim any time
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about Web designer insurance. You can also check out our business insurance FAQs.
Not all web designers share the same concerns or run their business the same way, so it’s a good idea to start with an assessment of the risks you might face.
Do you have people working for you? You’re legally required to have employers’ liability cover.
Do you come into contact with clients or members of the public over the course of your work? Public liability insurance is worth thinking about too.
Do you make recommendations within your web design work – and are you keen to protect yourself against claims to do with negligence or incorrect advice? You may see professional indemnity insurance as essential.
Do you rely on equipment such as a phone or laptop? You might also want to get business and office equipment insurance. This is a key cover for lots of web designers.
Other covers for web designers to consider include:
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.
Subscribe to our newsletter6th Floor99 Gresham StreetLondonEC2V 7NG
Northampton 900900 Pavilion DriveNorthamptonNN4 7RG
© Copyright 2024 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.