{"node":{"id":"a5453b3e-2e96-4245-bd49-28bef33ee33e","handle":"a545","type":"note","authorName":"PI Insurance","intent":"learning","title":"PI insurance for web developers and designers (piinsurance.com.au/web-developers/)","aiSummary":null,"content":"PI for web developers and designers covers claims that a site you built or designed caused a client a loss, including some intellectual property claims. Most buy $1m to $2m.\n\nSource: https://piinsurance.com.au/web-developers/, fetched from the preview https://pi-react-4ee768.pages.dev/web-developers/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.\n\nSite label: Usually asked for in client contracts.\n\n## Why you need it: your clients\n\nNo licence requires it. Clients, larger businesses and agencies that subcontract to you often write PI into the contract, sometimes with cyber cover.\n\n## Typical limits\n\n$1m to $2m for most work. Online stores and larger clients sometimes ask for more.\n\n## What can go wrong\n\nIllustrative scenarios, not real claims.\n\n### An online store that lost orders\n\nA plugin update you install stops order emails for a week. The client misses orders and claims the lost sales.\n\n### Images used without a licence\n\nA site you built uses stock photos you thought were free. The photographer sends a demand and the client asks you to pay.\n\n## Common exclusions to watch\n- Your own data breach (that is cyber cover)\n- Outages at your hosting or platform provider\n- Promises of a search ranking or sales figure\n- Deliberate copying\n\nWording differs between policies. Read the policy wording, or ask us to point out what it says.\n\n## Common questions\n\n### Do web developers and designers need professional indemnity insurance?\n\nNo licence requires it. Clients, larger businesses and agencies that subcontract to you often write PI into the contract, sometimes with cyber cover.\n\n### How much PI cover do web developers and designers need?\n\n$1m to $2m for most work. Online stores and larger clients sometimes ask for more.","capturedAt":"2026-11-10T01:01:18.398Z","createdAt":"2026-11-10T01:01:18.399Z","updatedAt":"2026-11-10T01:01:18.399Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:59.394Z"}],"fingerprint":"7e6e7a0be8fb34fdec1cffe7dda1a3a2ad07b137b81c211c3b768992b318aad0","revisionNo":"1","structureHash":"fcaa407505dcfdf53f8d4ce4f6114be5225d20979215854fa48c76767e2e8ff0","page":"https://lattris.com/by/2/memories/a5453b3e-2e96-4245-bd49-28bef33ee33e"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person's client has complained or threatened to sue.","hash":"30fa075a223ef61bc40043d03ea72130ec8328d6a321adeb4c8af3dc6e13de5d","node":{"id":"336d6f2e-1926-4df6-9677-aba43b727b49","handle":"336d","type":"note","title":"A client is threatening to sue. What should I do? 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