Professionals Insurance

Website Designer / Web Developer Insurance

Errors & Omissions (E&O) insurance — also called professional liability — for website designers and web developers.

What this coverage is intended to address

✓Allegations of professional error, missed deadline, defective work product, or failure to deliver — addressed by professional liability insurance, also called Errors & Omissions (E&O) insurance
✓Defense costs in the event of a covered claim arising from a website project
✓Cyber and data-breach exposures when handling client data (when included or endorsed)
✓Third-party bodily injury and property damage at your office (general liability)

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most website designer / web developer operations consider one or more of these coverage types:

Professional Liability / Errors & Omissions (E&O)

General Liability

Cyber Liability

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A client alleges a website project missed deadlines and caused a financial loss. Professional liability insurance — also known as Errors & Omissions (E&O) insurance — is generally intended to address allegations of this nature in the event of a covered claim.
A client alleges a security flaw introduced during development led to a data breach. Cyber liability, when included or endorsed, is generally intended to address allegations of this type.

Frequently asked questions

Is "professional liability" the same as "E&O" for web designers?

For web designers and web developers, the terms are used interchangeably. "Web designer professional liability" and "web designer E&O" generally refer to the same coverage — protection against allegations of error, omission, or failure to perform.

Do I need cyber liability?

If your work involves storing client data, handling logins or payments, or building applications that touch personal information, cyber liability is generally intended to address data-breach response and certain damages. Coverage and limits vary widely by carrier.

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