{"id":21,"date":"2018-03-15T09:00:00","date_gmt":"2018-03-15T09:00:00","guid":{"rendered":"https:\/\/oasiswebasia.com\/blog\/?p=21"},"modified":"2026-05-31T08:05:05","modified_gmt":"2026-05-31T08:05:05","slug":"an-introductory-guide-to-business-insurance-for-designers-and-developers","status":"publish","type":"post","link":"https:\/\/www.oasiswebasia.com\/blog\/an-introductory-guide-to-business-insurance-for-designers-and-developers\/","title":{"rendered":"An Introductory Guide To Business Insurance For Designers And Developers"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">At some point in your career, most web designers and developers can relate to issues with scope creep, unexpected project delays, client relationships breaking down, and unpaid invoices. The good news is that there\u2019s an insurance policy to help with these scenarios. In the UK, we call it \u201cprofessional indemnity insurance.\u201d Elsewhere, it can be called \u201cprofessional liability\u201d or \u201cerrors and omissions insurance.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s explore what this insurance is and how it\u2019s designed to keep web professionals in business. I\u2019ll also be sharing real stories of businesses who were glad they had insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Is Professional Indemnity Insurance?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Professional indemnity insurance protects your business from screw-ups and problem clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s say a client threatens legal action, claims loss of income or damages due to a service you provided. Even if you\u2019re in the wrong, professional indemnity steps in to ensure the consequences to your business aren\u2019t crippling.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s also important to distinguish what professional indemnity insurance&nbsp;isn\u2019t. After all, business insurance is an umbrella term for different types of cover. One of those covers is public liability insurance \u2014 or general liability insurance as it\u2019s known in the US.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Public liability insures your business against claims of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>physical injury to clients and members of the public<\/li>\n\n\n\n<li>accidents on your work premises<\/li>\n\n\n\n<li>damage to third-party property.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is a popular cover for those who have clients visit their office or those who work from client premises.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At some point in your career, most web designers and developers can relate to issues with scope creep, unexpected project delays, client relationships breaking down, and unpaid invoices.&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-21","post","type-post","status-publish","format-standard","hentry","category-web-trends"],"_links":{"self":[{"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/posts\/21","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/comments?post=21"}],"version-history":[{"count":1,"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/posts\/21\/revisions"}],"predecessor-version":[{"id":22,"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/posts\/21\/revisions\/22"}],"wp:attachment":[{"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/media?parent=21"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/categories?post=21"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.oasiswebasia.com\/blog\/wp-json\/wp\/v2\/tags?post=21"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}