Web designer insurance
Join over 900k UK customers (including over 1,100 web designers) – we offer public liability cover from £4.74*
Get tailored quotes in 7 minutes
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need web designer insurance?
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.
- Protect yourself against big claims due to mistakes, accidents and negligence
- Cover what you need, from your employees to your expensive business equipment
- Enjoy peace of mind by guarding against unexpected legal and medical costs
What does web designer insurance cover?
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.
How much does web designer insurance cost?
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.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example web designer insurance quotes, real prices
![chiswell insurance](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/chiswell.webp?w=100)
£14.67 /month
£126.73 /year
A start-up web designer just having completed their degree
- Less than 1 years’ experience
- Sole trader
- No employees
- Based in York
Public liability insurance
£1,000,000
Employers’ liability insurance
Not included
Professional indemnity
£50,000
![chiswell insurance](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/chiswell.webp?w=100)
£39.23 /month
£348.69 /year
Small web design agency with 2 members of staff and no office premises
- 4-5 years’ experience
- Limited company
- 2 employees
- Based in Brighton
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.
What kind of excess should I expect?
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.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
Buy online in minutes
Get your documents the same day
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How do I choose insurance?
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.
Talk to an expert
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
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Call our team
How do claims work?
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.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having web designer insurance through Simply Business has saved web designers thousands of pounds when the unexpected happened.
Bonita saved more than £1,700
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.
Insurance payout
£1,728.00
Covering the cost of accidental damage
Insurance payout
Covering the cost of accidental damage
Covering the cost of accidental damage
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Web designer insurance FAQs
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:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
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