Website Design Insurance Massachusetts Policy Information
Website Design Insurance Massachusetts. The biggest source of information today is the Internet. We go online to search for data on a wide variety of topics. Examples of these are academics, law, history, governance, news, entertainment, nutrition and sports. All this information is contained in websites.
Web site designers plan, create, and maintain web sites in accordance with customers’ needs. Services can range from simple layout work to the development of specialized software for information management or e-commerce (sales of products or services over the Internet). The designer is generally responsible for the visual aspects, navigability, and user-friendliness of the web site.
There are also some special activities which they can perform online. They include chatting, watching videos, playing games and shopping. These ones happen within specially built websites. Therefore, web design is one of the most popular services today.
Every business, institution, organization and government needs a website. Web designers are responsible for this task. As such, a website development business is a lucrative venture. Many people have made substantial amounts of money in this line of work. You should purchase website design insurance Massachusetts as you start a web design business.
Website design insurance Massachusetts protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
What Is Web Designer Insurance?
Whether you have a small or a big website design business, you will need information technology business insurance. This one contains special policies that are specially designed for businesses in the IT sector. There are some special risks that you are exposed to as a web designer, and a website design insurance Massachusetts policy can protect your business.
MA web design insurance is specific type of business insurance that can mitigate the risks you are exposed to. Following are some of the most common policies for web designers:
Errors and Omissions Insurance: Also known as professional liability, this is the first website design insurance Massachusetts policy which you should buy as a web designer. As you develop your websites, you may make an error in the code. You may also miss a deadline in presenting the website development project to your client. In addition to that, you may make an oversight that presents your client negatively to their target market.
These errors can cost your client a lot of money. In such a case, they are likely to lose sales due to your errors or those of your employees. A quick way to recover their revenue is to sue your web design company. In such a case, website design insurance Massachusetts can cover the costs of their lawsuit. It can pay for a good lawyer to argue your case in court. Therefore, it is a critical type of insurance policy to buy as a MA web developer.
Commercial General Liability Insurance: This website design insurance Massachusetts covers the costs associated with lawsuits filed against you for a variety of claims. Examples of these are injured customers (slip and fall) or damage to a client's property. This insurance policy can also cover your expenses in case you are sued for slander or image infringement.
Business Property Insurance: A catastrophe can happen at your place of work and destroy the equipment which you use for website design. Examples of such equipment include your laptop, monitors, mouse, printers, projectors and tablets. Events which can destroy this equipment include fires, water damage from floods or broken pipes and demolished premises due to structural fragility or earthquakes. Your business equipment can also get stolen.
In case these unfortunate events cause you to lose your property, business property insurance can cover the costs of replacing your essential equipment. As a matter of fact, this website design insurance Massachusetts policy can cover any property or equipment that your business owns. Examples of these are furniture, supplies and even the building. You can cover anything that you rent or own in your web design business.
Massachusetts Web Site Designer's Risks & Exposures
Premises liability exposure is minimal on site due to lack of public access. Off-premises exposures may arise from sales visits, training sessions, and installation of software or hardware at the customer's premises. Since the exposures most needed by the web site designer for work performed for clients are excluded under the CGL policy, coverage must be found using professional and errors and omissions forms.
Professional liability and errors and omissions exposures are extensive as the web site designer is responsible for all content. Lawsuits may arise due to inaccurate information on the client's web site, improper handling of product data or customer purchases, customer financial data, errors that misdirect the client's potential customers, and failure of the web site to provide 24/7 access to customers.
Hazards are substantially greater if the designer does not keep detailed records of agreements with clients and documentation of client approval at each stage. The developer is responsible for controlling access to the clients' private information, which is made more difficult by the extensive use of laptop computers and very small storage devices. Allegations of trademark or copyright infringement can result in substantial damages.
Workers compensation exposure is limited to that of an office. As work is done on computers, potential injuries include eyestrain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries that can be addressed through ergonomically designed workstations. Back sprains and strains can result from lifting and other material handling if there is any moving of computers or related equipment.
Property exposure consists of an office operation although there may be some incidental storage or an area for minor service work on computers. Ignition sources include extensive electrical wiring to support computers and servers, heating and air conditioning equipment, wear, and overheating of equipment. Fire, smoke, and water can cause significant damage to equipment. Fire protection should consist of chemical applications instead of water.
Although computer equipment can be included as part of the business personal property coverage, more complete protection is available under a computer or EDP policy. Extra expense is a major exposure since the designer must be able to meet the client's need in a timely manner.
The concentration of electronic equipment may be targeted by thieves. Appropriate security controls should be taken including physical barriers to prevent access to the premises after hours and an alarm system that reports directly to a central station or the police department.
Crime exposure is from employee dishonesty and computer fraud. Web site designers may have access to private financial information of their clients. Hazards increase in the absence of proper background checks and monitoring of the insured's workers who may have such access. Billing and disbursement duties should be separated.
Inland marine exposure includes accounts receivable if the designer offers credit, computers, and valuable papers and records for customers' information. A computer or EDP policy is critical as it covers hardware, software, and media. There should be frequent backup and off-site data storage. Extra expense and equipment breakdown exposures are significant hazards as clients expect their web sites to be operational at all times.
The designer must be prepared to restore service and handle any problems that arise. Laptop computers used by both sales and developers can result in substantial off-premises exposure. If the designer keeps customers' property on site, bailees customers coverage will be needed.
Automobile exposure is generally limited to hired and non-ownership liability. If vehicles are provided to employees, there should be written procedures in place regarding personal use by employees and their family members. All drivers must have appropriate licenses and acceptable MVRs. Vehicles must be maintained and records kept in a central location.
MA Website Design Insurance
New businesses and organizations will always need websites and to update and maintain them. One of the fundamental steps which you can take to protect your business is investing in website design insurance Massachusetts policies.
Massachusetts Economic Data, Regulations And Limits On Commercial Insurance
If you are thinking about starting a business in the Massachusetts, it's important that you have an understanding of the economic trends and commercial insurance requirements in the state before you set up shop.
Economic trends are important, as they indicate whether or not the area offers a strong economy that will be able to support your business. You also need to know what type of commercial insurance you'll need to carry so that you can plan accordingly and ensure that you are complaint with the law.
To help you determine if the Bay State is the right location for the business you are thinking about opening, below, you'll find an overview of MA's current economic trends, as well as the types of insurance policies you'll need to carry.
Economic Trends For Business Owners In Massachusetts
Unemployment rate is a good indicator of a state's economy. The lower the rate, the more job opportunities there are, which is direct reflection of the health of businesses.
As per the Bureau of Labor Statistics, the unemployment rate in Massachusetts was 2.8% in December, 2019. That's 0.7% lower than the national average, which was 3.5% in December, 2019. This indicates that the state offers a strong workforce and that there are enough jobs to support the residents of the state.
While regions throughout the area are seeing business growth, there are certain areas in particular that are seeing more growth than others. This includes large metropolitan areas and the regions that surround them, including:
- New Bedford
Several industries are doing very well in the state of Massachusetts; however, there are particular sectors that are seeing more growth than others and are truly thriving in this part of the country. These industries include:
- Advanced manufacturing
- Commercial fishing
- Financial services
- Hospitality tourism
- Information technology
- Medicine and life sciences
If you are thinking about starting a business in any of these industries, chances are good that you will find the success you are looking for in the state of Massachusetts.
Commercial Insurance Requirements In Massachusetts
The Massachusetts Division of Insurance regulates insurance in MA. Massachusetts mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Massachusetts requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors, but employees in domestic service must be covered if they work at least 16 hours a week.
Massachusetts also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Information Technology & Internet Insurance
Learn about small business IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.
- Application Development
- Amazon Seller
- Artificial Intelligence
- Computer Electronic Repair
- Computer Programming
- Computer System / Network Developer
- Cyber Liability
- Data Breach
- eBay Sellers
- Electronic Data Processing
- Electronic Data Processing Equipment
- Internet Business
- Internet Service Provider
- IT Consultant
- Online Store
- Social Media
- Software Developer
- Technology Services
- Website Design
Some the more popular IT businesses do IT contracting or freelancing work. These businesses have specific risks they face, and can have huge exposures to uncommon risks. Even if the business is very careful, a small oversight or mistake can lead to a large and expensive lawsuit.
For information technology companies, like some of the more popular ones listed below, data security is paramount:
Application Development (Mobile & Web), Business Intelligence / Data Mining Businesses, Computer Installation & Repair, Computer Programming, Computer Retail Store, Data Analysts, Architects & Scientists, Database Administrators, Frontend Developers, Hosting, IT Business Consulting, IT Project Management, IT Staffing, IT Training, Information Technology Consulting, Life Sciences & R&D, Network Architects, Network Security Consultants, System & Network Design, Technical Writing and Web Site Development.
The IT business segment has a critical need for professional liability and errors and omissions coverage. If coverage applies, the insurer has several rights and duties such as providing a legal defense against claims and suits brought by parties claiming damages. The insurer is permitted to investigate all claims to determine whether they are covered by the policy and they may choose to litigate, deny or settle claims.
Most policies providing coverage for electronic data liability, computer professional liability, and computer errors and omissions are claims-made contracts.
Minimum recommended small business insurance coverage: Business Personal Property, Business Income with Extra Expense, Equipment Breakdown, Computer Fraud, Employee Dishonesty, Accounts Receivable, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Errors and Omissions Liability, Professional Liability, Umbrella Liability, Hired and Nonowned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Earthquake, Flood, Real Property Legal Liability, Forgery, Cyber Liability, Employment-related Practices Liability, Directors and Officers Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.
Request a free Website Design Insurance Massachusetts quote in Acton, Agawam Town, Amherst, Andover, Arlington, Attleboro, Barnstable Town, Belmont, Beverly, Billerica, Boston, Bourne, Braintree Town, Bridgewater, Brockton, Brookline, Burlington, Cambridge, Canton, Chelmsford, Chelsea, Chicopee, Concord, Danvers, Dartmouth, Dedham, Dracut, Easton, Everett, Fall River, Falmouth, Fitchburg, Framingham, Franklin Town, Gardner, Gloucester, Haverhill, Hingham, Holyoke, Hudson, Lawrence, Leominster, Lexington, Lowell, Ludlow, Lynn, Malden, Mansfield, Marblehead, Marlborough, Marshfield, Medford, Melrose, Methuen Town, Middleborough, Milford, Milton, Natick, Needham, New Bedford, Newton, North Andover, North Attleborough, Northampton, Norton, Norwood, Peabody, Pittsfield, Plymouth, Quincy, Randolph, Reading, Revere, Salem, Sandwich, Saugus, Shrewsbury, Somerville, Springfield, Stoneham, Stoughton, Sudbury, Taunton, Tewksbury, Wakefield, Walpole, Waltham, Wareham, Watertown Town, Wellesley, West Springfield Town, Westborough, Westfield, Westford, Weymouth Town, Wilmington, Winchester, Woburn, Worcester, Yarmouth and all other MA cities & Massachusetts counties near me in The Bay State.
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