Property insurance covers damage to physical property and the ensuing loss of income.
If one of your clients' sites had a security breach and customers' credit-card data was stolen, you could similarly be held responsible. Under the intellectual-property scenario, you could come across an attractive image, icon, or site layout and consciously or subconsciously use a similar design for one of your clients. Hagemeier suggests buying general liability insurance with advertising-injury coverage in case you get dragged into a lawsuit arising from an ad running on a site you have designed. Business Week Online may receive a share of any fees you pay for services. The McGraw-Hill Companies Inc. All rights reserved.