Website Design and Software Developers

Property exposure centers on the high concentration of electronic equipment. Fire sources could include wiring, wear, and overheating of equipment. Fire, smoke, and water could pose significant damage to equipment. Fire protection should consist of chemical applications instead of water. The equipment might be better covered as Inland Marine. Extra Expense is a major exposure since time is of the essence whenever the Internet is involved. The designer must be able to meet the client’s needs in a timely manner, or the client will find another provider.

Crime exposure is from Employee Dishonesty and Computer Fraud. Background checks and previous employment verification are important prior to hiring.

Professional liability and errors and omissions are extensive. The website designer is responsible for the content and must meet the requirements of the client. Errors that misdirect the client’s potential customers, as well as inaccurate information, create a potential for lawsuits that must be insured against.

Workplace safety exposures exist in the areas of ergonomics, repetitive motion, and carpal tunnel syndrome. The design of workstations to prevent worker injuries is important.