Web Developer Insurance

Web Developer Insurance

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As a web developer you have enormous pressure on every part of your business. The last thing you want to think about is insurance, but it will be essential to keeping your business safe. 

At Brisco Business, we understand the pressures facing businesses in the modern economy and the need to protect against the unexpected. Whether you’re looking to insure against fire, flooding or storm damage, we can help you find the perfect insurance policy for your requirements.

Compare quotes with Brisco Business now and find a policy with covers to meet your needs.

We partner with some of the UK’s most trusted web developer insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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Where do you mainly run your business from?

You should make sure the policy you choose meets your demands and needs during the quotation process.
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Do I really need specialist 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.

Can I take contents with me outside the office?

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.

What if I don’t own the building?

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).

Are there any exceptions?

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.

Is there anything I can do to reduce my premiums?

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.

What covers are included in a web developer insurance policy?

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.

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