Technology E&O
Client loss from delivery failures, defects and performance issues.
Business Insurance
Web developer and agency insurance.
Missed deadlines, a site that goes down at launch, and an image someone else owned. Those are the three claims agencies actually see.
Web developers and digital agencies carry project risk and content risk together. Client claims are usually about delivery, performance or a site failing at the wrong moment, while copyright and content claims arise from the material used to build it.
Copyright, content and project disputes
Media liability covers copyright and content claims — a stock image used outside its licence, copy reproduced from elsewhere, a trademark issue in a design. These claims are more common in agency work than most owners expect.
Technology E&O handles the project side: late delivery, a site that does not perform as specified, an ecommerce failure at launch. Written specifications and documented sign-off are consistently the best defence available.
What it covers
The parts of a web developer insurance policy
Media liability
Copyright, trademark and content claims from work you produce.
Cyber liability
Breach exposure where you host or hold client and customer data.
General liability
Premises cover, commonly required in client contracts.
Working with us
What we do differently
We are an independent agency, so we place your web developer insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Keep licence records for every stock image, font and asset used
- Document specifications and client sign-off at each stage
- Add cyber cover if you host client sites or hold their data
Common questions
Web Developer Insurance, answered
Is a copyright claim over a stock image covered?
Under media liability, generally yes. Using an asset outside its licence is a common agency claim, so keeping licence records for every image and font is worth the small effort.
What if a client site fails at launch?
Technology E&O responds to client financial loss from delivery and performance failures. Written specifications and sign-offs are what make those claims defensible.
Do I need cyber cover if I host client sites?
Yes. Hosting means holding client and end-user data, which brings breach response and notification obligations that E&O does not address.
Related cover
Often arranged alongside this
App Developer Insurance
Apps collect data, take payments and run on devices you do not control. Each of those is its own exposure.
Read moreSoftware Company Insurance
A defect ships to every customer at once. That is the difference between selling software and providing a service.
Read moreE-Commerce Insurance
No shop floor, but real stock, real products and a website that is the entire business when it goes down.
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