Website Developer
Website developers and designers are often the go-to professionals for any business that has a website. These individuals create and maintain websites and web pages for businesses. Let’s get creative and make sure your website developer has the correct coverage.
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Insurance policy highlights can include:
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Copyright and trademark infringement
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Broad definition of technology services, using “included, but not limited to” wording
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Blanket additional insured and waiver of subrogation
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Network security and privacy liability
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Professional liability limits up to $5 million limits
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Hired and non-owned auto liability coverage available
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Top rated, financially strong, A++ rated insurers writing on both admitted and non-admitted paper
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Privacy breach expense and regulatory defense can be included
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The ability to include full prior acts on professional liability
Coverages can include:
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Errors and omissions (professional liability)
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Cyber
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General liability
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Media liability
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Business personal property
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Hired and non-owned auto
Additional coverages available:
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Blanket additional insured
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Umbrella
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Business income
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Equipment breakdown
Markets
Claim Examples
Errors and Omissions (Professional Liability)
A website developer is hired to design a fully functional, interactive website for a yoga studio. After six months, the developer fails to deliver the web pages as promised in their contract, and the yoga studio must hire another developer to finish the website. The yoga studio sues the website developer and claims damages of $1 million which includes the increased cost to complete the website, lost profits because of the delay in the delivery, and the market value of the website.
Personal Injury
A website developer is contracted and hired to develop and implement a website for a high-end restaurant. While developing the website, the developer takes pictures around the restaurant for marketing purposes, but these photos have pictures of real patrons of the restaurant. The patrons in the pictures see their photos on the website, once live. These photos are being used without consent, and the patrons file a suit for invasion of privacy.
Intellectual Property
Jon Doe had been a website developer for a large IT company, ITC Biz, for many years. His role at ITC Biz included designing and developing websites. ITC Biz saw a decrease in contracts and orders and had to lay off most of their employees, including Jon Doe. Once Jon was let go, he created his own company designing websites. After Jon delivers these websites to his new clients, ITC Biz feels that Jon’s website designs are their copyrighted website designs. ITC Biz sues Jon Doe for copyright infringement.
Bodily Injury Arising out of a Professional Service
A website developer is at a client’s location figuring out their networking to launch a new website. The developer is hooking up an Ethernet cable to their client’s router, and in the interim steps out of the room to grab something he forgot. While the developer is out of the room, an employee of the client trips over the loose Ethernet cable and sustains injuries to their back and neck. The employee of the client sues the developer for negligence and seeks damages for the bodily injuries sustained.
Hired and Non-owned Auto
Jessica is a staff member working for a small website development company. While Jessica is running errands on behalf of the company, she fails to yield at a stop sign and strikes another vehicle. The other driver sustains a severe bodily injury and sues Jessica’s personal auto policy. It turns out that the claim amount will ultimately exceed Jessica’s personal auto limits, and a secondary claim is made against the hired and non-owned policy of the website development company.