Web Designer insurance

Save up to 25% on business insurance for web design.*

Choose your primary coverage to get started:

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Web designer insurance coverage can help protect you from:

The cost of professional errors or omissions

A client claims a design error or project delay caused them a financial loss.**

Claims of professional negligence

Your client alleges that your work didn’t meet contractual agreements or professional standards.

Legal fees and defense costs

You need a lawyer to help defend your business after a client dispute.

Get web design insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Business insurance for web designers and freelance web developers could help cover costs tied to client disputes, professional mistakes or accidental property damage.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in business insurance for web designers

Web designer and web developer insurance is usually several types of insurance to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance

Protection for injuries to non-employees and damage to other people’s property

Commercial general liability insurance can help protect against some of the most common physical and property risks web developers and designers face. Whether you work from home, visit clients or meet in shared spaces, this coverage could help if someone who doesn’t work for you is injured at your place of business or if you accidentally damage someone else’s property.

general liability can help you pay for:

Medical expenses due to bodily injury

Damage to property you don’t own

Legal fees and judgments

Advertising injury (copyright infringement

reputational harm)

Professional Liability insurance (E&O insurance)

To help protect you from the cost of professional errors and mistakes

This type of coverage could help provide financial protection if a client claims your design or project decisions caused them a financial loss — such as missing requirements, project delays, functionality issues or work that didn’t meet the agreed-upon scope. Professional liability insurance for web designers can also be called errors and omissions insurance (E&O insurance).

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal costs

Legal judgments

Workers’ Compensation insurance

For employee work-related injury and illness

If you hire employees to support your web design business, most states require workers’ comp insurance. This coverage could help cover medical expenses and lost wages if your employees are injured or become ill because of work. For example, repetitive strain injuries, ergonomic issues or slips and falls while working could lead to claims where workers’ comp may help.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Commercial Property insurance

For business owners who own or rent work space

If you work from home, a shared workspace or an office, a commercial property insurance policy can help protect the equipment you rely on to do your job, such as computers, servers, office furniture and flooring. If business property is damaged by covered events like fire, theft or vandalism, this coverage may help with repair or replacement.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Cyber Liability insurance

To help protect against the costs of digital attacks and cybercrime

For web designers who manage websites, e-commerce systems or other tools for clients, a cyber incident can disrupt projects and strain client trust. Add cyber liability insurance to your general liability or professional liability policy to help cover costs if sensitive client data, login credentials or files are compromised by crimes like a data breach, ransomware attack or phishing scam.

cyber liability can help you pay for:

Data breaches

Cyber attacks

System failures

ERGO NEXT Insurance reviews

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

Small business insurance

I thought ERGO NEXT was easy to use, great rates and outstanding follow-up.

Taylor M.

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

Myles C.

Great!

Hassle free and great to work with. Affordable.

Anthony G.

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

Save up to 25% in discounts on web designer insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does web design insurance cost?

Premiums for web designer coverage are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

The type of work you do.
The types of clients you have.
Your business location.
Your number of employees.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your web design business.

How can insurance for web design help your business?

You might need a web designer insurance policy to help your business:

Cover costs for design or development mistakes. Professional liability could help with client claims.
Handle in-person accident costs. General liability could help if a non-employee gets hurt or you accidentally damage someone’s property.
Protect essential work gear. Commercial property could help cover laptops, monitors and gear that get damaged at your place of business.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

Web designer insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.