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.
Source: 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.
Site label: Usually asked for in client contracts.
Why you need it: your clients
No licence requires it. Clients, larger businesses and agencies that subcontract to you often write PI into the contract, sometimes with cyber cover.
Typical limits
$1m to $2m for most work. Online stores and larger clients sometimes ask for more.
What can go wrong
Illustrative scenarios, not real claims.
An online store that lost orders
A plugin update you install stops order emails for a week. The client misses orders and claims the lost sales.
Images used without a licence
A site you built uses stock photos you thought were free. The photographer sends a demand and the client asks you to pay.
Common exclusions to watch
- Your own data breach (that is cyber cover)
- Outages at your hosting or platform provider
- Promises of a search ranking or sales figure
- Deliberate copying
Wording differs between policies. Read the policy wording, or ask us to point out what it says.
Common questions
Do web developers and designers need professional indemnity insurance?
No licence requires it. Clients, larger businesses and agencies that subcontract to you often write PI into the contract, sometimes with cyber cover.
How much PI cover do web developers and designers need?
$1m to $2m for most work. Online stores and larger clients sometimes ask for more.