Why choose Hensure for PI insurance
Personal Service
Our business is not a call centre, but instead provides a personal service and dedicated team to assist with your queries.
Experienced Team
Our team has a wealth of experience and knowledge to help you and your business get the most appropriate cover for your needs.
Online System
Our full 24/7 quote and buy facility allows you to run a personalised quotation, at a time that suits you and your business.
Professional indemnity insurance for Website Designers for peace of mind.
Your client relies on you to deliver a high-quality engaging website, that’s going to attract visitors far and wide and meet their business objectives. But what happens if the design isn’t what they imagined, or they aren’t seeing the results that they were expecting?
They can blame you for your website. This is where you find yourself with a Professional Indemnity Insurance claim. Professional Indemnity Insurance for website designers gives you reassurance that you won’t have to face the legal costs, and compensation should the claim be successful, alone. A suitable PI policy for Website Designers will take care of all of this for you and give you the peace of mind that you are covered in the event of a claim made against you for professional negligence.
There are a number of factors that you must consider when purchasing a PI policy, including: the excess that you are prepared to consider; the cover itself; the level of indemnity that you require; and whether the cover will be on an ‘any one claim’ or an aggregate basis.
Our experienced team can help you to understand the insurance package that is right for your business.
For further information on all aspects of professional indemnity insurance for Website Designers, please contact us today.
Things we look for
- Company Size – the overall size of the firm, based on gross annual income of the company and the number of partners/ directors/ employees.
- Qualifications and Experience – insurers will want to know how many relevant years’ experience that you have in the trade and may want to see relevant CVs.
- Type of Work – insurers will want to know the split of annual income derived from each discipline that the firm is involved in; some areas are considered high risk and some areas are considered low risk from a claims point of view.
- Production of advertisements
- Media planning and buying or ‘media spend’
- Design and production of printed literature and documents
- Direct marketing including mailshots
- Sales promotion
- Marketing including market research
- Public relations
- Publishers
- Claims Experience – this information reflects on the type of work carried out by a company. It also reflects the quality of the company’s work, experience, staff & internal risk management.
- Turnover Split by Territory – a large exposure to USA/Canada in particular can be perceived as a problem due to the claims culture in North America and the likely costs involved in defending negligence claims in those countries.
Policy coverage
A typical Professional Indemnity Insurance policy for Website Designers will normally cover the following areas:
- Breach of Civil Liability
- Negligent act, error or omission
- Negligence of sub-contractors
- Irrecoverable fees
- Rectification and loss mitigation costs
- Bodily injury or property damage arising from breach of professional duty
- Defence costs
- Unintentional intellectual property rights infringement (other than patents)
- Unintentional breach of confidentiality
- Unintentional defamation
- Loss of third-party documents or data
- Computer virus transmission
- Court attendance costs
Your policy coverage may vary between insurer.
Insurance types
Professional Indemnity
- Professional Indemnity provides cover for claims that arise as a result of the work you have completed or advice you have given.
Public Liability
- Public Liability provides cover should members of the public receive an injury or property damage due to your work. This protects your business should a compensation claim be made, also covering any legal costs that result from this.
Employers’ Liability
- Employers’ Liability provides cover for compensation claims and associated legal costs, arising from employee injury or work-related illness.
Cyber Insurance
- Cyber Insurance provides support in the event of cyber-crime and unintentional data breaches, offering cover against the cost of revenue and fines.
Directors and Officers
- Directors and Officers insurance policies protect you financially against any claims that are made against you personally in your position as a director, partner or officer of your business.
Legal expenses insurance
- If you were involved in a legal battle, knowing that any money you spend on legal bills would be reimbursed could make all the difference. Legal expenses insurance does just that. It ensures that your business remains financially stable after a legal case by helping to compensate the business for incurred costs.
Contact us to find out more about the right cover for your business.
