Whether you work the front or back-end, web and app development is a highly specialised profession. Your clients might not have a lot of experience when it comes to creating or managing online platforms, and may rely heavily on your expertise. While this means your work is sought after, it also means that if something goes wrong, you could be held responsible.
That’s why it’s important to have the right insurance in place, so if any of your clients believe you have been negligent and decide to make a claim, you’re covered.
There are many different areas that could result in difficulties for developers. Every day you deal with confidential data, vulnerable systems and other people’s intellectual property. Even the best programmers can make mistakes, so being prepared for the unexpected is a must.
For example, if you’ve been contracted to revamp a client’s e-trading platform and a coding error causes the whole site to lose function for a day, your client could potentially sue you for their lost earnings and reputational damage.
Fortunately, Direct Line for Business offers flexible insurance policies that respond to the specific needs of your business. You can pick and choose from a range of cover options to make sure you’re covered for the key risks associated with your line of work, without paying for insurance you don’t need. Just use our simple online quote tool to find out how easy it is to create your own policy.
Because of the fast-paced and competitive nature of your work, professional indemnity insurance is popular with developers. It can cover your legal fees and any compensation the court instructs you to pay in the event that you are sued for negligence.
It’s also important to consider covering your electronics. As a developer, having working computer equipment is critical to completing tasks. If something is damaged you’ll need to replace it quickly and this could be costly. If your equipment is lost, damaged or stolen, contents and stock cover will pay for the cost of replacing the items, so you won’t be out of pocket or needlessly delayed when you’re working to a tight deadline.
You also have the option to insure certain items when you’re out and about, ideal if you need to work on-site with a client.
See what you can include in your insurance policy below.
Add any of these cover options to your Web Designer and App Developers’ Insurance to create a personalised policy that works for you. These covers are subject to policy conditions and limits.