Seguro para Freelance Designers & Developers
Your work ships to production. When it breaks, the client's first call is to their lawyer.
Digital Professional
Client Contracts
E&O Exposure
Why freelance designers and developers need coverage
A website that goes down on launch day. A design that infringes someone's trademark. A deliverable that's three weeks late and costs the client a product launch. Freelance design and development work creates professional liability exposure on every project — and most freelancers operate with zero coverage.
The tech industry normalizes working without a safety net. But every contract you sign is a legal obligation, and every deliverable is a potential claim if it doesn't perform. Professional liability (E&O) insurance exists specifically for this class of risk.
Prioridades de Cobertura
Professional Liability (E&O)
CRÍTICO
Covers claims that your work caused financial harm — missed deadlines, buggy code, design that infringes IP, a site that goes down. The #1 policy for any client-facing freelancer.
Estimado: $500–$1,500/year
Cyber Liability
CRÍTICO
If you handle client data, credentials, or payment info, a breach is your liability. Cyber insurance covers notification costs, legal defense, and damages.
Estimado: $400–$1,000/year
Health Insurance
CRÍTICO
Sedentary work, repetitive strain, screen fatigue. No employer plan behind you.
Estimado: Marketplace plans from $150–$500/month
General Liability
ALTA PRIORIDAD
If you ever meet clients in person, work from a co-working space, or have people in your home office.
Estimado: $300–$600/year
Disability / Income Protection
ALTA PRIORIDAD
Carpal tunnel, back problems, eye strain — repetitive strain injuries are the #1 occupational hazard for desk workers.
Estimado: 1–3% of annual income
Real risks freelancers face
Client relationships are great until a deliverable fails.
Website crashes on launch day
A client's e-commerce site goes down during a Black Friday launch. They claim the developer's code caused $200,000 in lost sales. Professional liability covers the claim and legal defense.
Design infringes a trademark
A logo you designed for a client turns out to be too similar to an existing trademark. The trademark holder sues your client, who turns around and sues you. Professional liability covers the chain.
Client data breached through your access
You have admin credentials to a client's systems. Those credentials get compromised. Cyber liability covers the breach notification, forensics, and legal costs.
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Preguntas Frecuentes
Do freelance developers need insurance?
Yes. Professional liability (E&O) covers claims that your work caused financial harm to a client — bugs, downtime, missed deadlines, IP infringement. Many enterprise clients require proof of E&O before signing a contract. Cyber liability is additionally important if you handle any client data.
What is E&O insurance for freelancers?
Errors and Omissions (E&O) insurance covers claims that your professional services caused financial harm. For designers and developers, this includes bugs, design defects, missed deadlines, IP infringement, and failure to deliver on contract specifications. It covers legal defense and settlements.
How much does freelancer insurance cost?
Professional liability (E&O) runs $500–$1,500/year. Cyber liability adds $400–$1,000. A combined technology E&O + cyber policy is often available for $800–$2,000/year. Many freelancers pay more for their co-working space than their insurance.
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