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Web Developer Professional Indemnity
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Web Developer Professional Indemnity
Professional indemnity for web developers, agencies and digital studios.
Web work fails publicly. A checkout that breaks during a sale, a migration that takes a site down for a day, a font or stock image used without the right licence, or a government site that does not meet the accessibility standard specified. Professional indemnity generally responds where the client says the build, the advice or the delay cost them money.
What is it?
Web developers and digital agencies build sites, ecommerce platforms, applications and integrations on stacks from WordPress and Shopify through to custom frameworks, then often hold hosting, maintenance and support retainers afterwards. There is no registration body, so obligations come from client contracts. Government and enterprise work commonly specifies both a professional indemnity limit and accessibility standards such as WCAG before you can tender.
What does web developer professional indemnity cover?
Intellectual property
Exposure from code, images, fonts and content licensed or used incorrectly.
Cyber and hosting
Data breach and outage exposure where you host or maintain client sites.
What affects the cost?
- Project sizes and client types
- Ecommerce and payment integration work
- Hosting and maintenance retainers
- Access held to client systems and data
- Turnover and claims history
Worth raising on the call
- Professional indemnity and cyber respond to different events and the overlap varies by wording.
- Ongoing hosting and maintenance extends your exposure long past project sign-off.
- Government and enterprise contracts usually set the limit before you can tender.
Claims we are commonly asked about
Checkout breaks during a sale
A theme and plugin update is pushed to an ecommerce store on the morning of a sale campaign and the payment step fails for several hours before anyone notices. The client claims the lost trading and the paid media spend that drove traffic to a broken checkout.
Migration takes the site down
A hosting and DNS migration for a booking site runs badly and the site is unreachable for most of a business day. The client claims lost bookings and the cost of bringing in another firm to restore service.
Unlicensed stock image in a launched site
A comp image is left in place when a site goes live and the rights holder issues a demand months later. The developer who supplied the asset is asked to fund the licence fee and the legal costs that came with the letter.
Worth confirming in the wording
- Worth confirming whether unauthorised access to a client site you host or maintain is addressed under professional indemnity, under cyber, or under both, and how the two interact.
- Worth confirming how third party and open source components you incorporate are treated when an intellectual property claim arises from that code rather than yours.
- Worth confirming whether contractual liability terms narrow the cover where you have signed uncapped liability, an uptime commitment or a fitness for purpose clause.
Common questions
Do I need professional indemnity and cyber, or is one enough?
They generally respond to different events. Professional indemnity typically deals with a client claiming your work caused them financial loss, while cyber deals with a breach, ransomware or an outage affecting data and systems. Where you host or maintain client sites the overlap can be significant, and it varies by wording, so it is worth mapping both.
Does it cover a client site being hacked?
It depends on the circumstances and the wording. Where you host or manage the environment, a breach is commonly a cyber question, though a claim that you configured or maintained it negligently can also engage professional indemnity. Having both arranged with the interaction understood is generally the cleaner position.
Do government and enterprise contracts require a set limit?
Commonly yes. Government panels and larger enterprise clients frequently specify a minimum professional indemnity limit, and increasingly a cyber limit and accessibility standards such as WCAG, before you can tender. It is worth checking the tender conditions early, because the required limit can exceed what small studios usually carry.
What does web developer professional indemnity cost?
It depends on the business rather than a fixed price. The main drivers are turnover, project sizes and client types, whether you do ecommerce and payment integration work, hosting and maintenance retainers, the access you hold to client systems and data, and your claims history.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See professional indemnity insurance for the wider picture.
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