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• File and server integrity

Backing up files both locally and on web servers as a regular routine limits the risk of a loss of important information or data during or after a project. Most often these tasks can be scheduled and automated so as not to interfere with project work or billable hours.

• The human factor

Mistakes in code, work, communication, or other business tasks can create legal or financial risk in certain scenarios – and this risk is heightened when there are several employees working under one web agency rather than an individual freelancer. Always be aware of the human factor and take steps to prevent potential risks occurring, such as proof-reading, collaboration for accountability, and employing technology to this end.

• Avoid risks altogether

Even if you’re desperate for the work and the accompanying pay check, some projects are simply not worth the risk. If you’re contemplating beginning work with a questionable client, or employing code and frameworks with which you simply don’t have the adequate experience, don’t.

There are a variety of formal risk identification and assessment processes that can be undertaken by your business – a good place to start is to check out the resources offered by the International Organization for Standardization (better known as “ISO”) at www.iso.org.

Insurance

A third option to reduce the risk and damages that may accompany a breach of duty is indemnity insurance. Indemnity insurance is a service offered by commercial insurance providers that provides financial protection from claims levied against your business for a monthly or annual fee. There are a variety of insurance providers, types of insurance, and variation in what specifically is covered. If your organization has begun to operate at the professional level, business insurance is certainly worth looking into and investigating for the return on investment.

Professional liability insurance, as it is also referred to, doesn’t only apply to web design agencies, but also individual freelancers. Indeed, if an individual web designer has even one claim put against them, their personal finances are at stake rather than the accounts of an incorporated business entity.

General Liability Insurance

Almost every public-facing business operates under general liability insurance, which is often seen as the starting point for business insurance services. However, there is an argument that it can be somewhat unnecessary in our industry as it covers basic requirements such as bodily harm or property damage. If you’re meeting a client in her glass office and driving a bulldozer, be sure to check it out. Otherwise if you meet in person infrequently or in low risk settings, and don’t have an office of your own, it may not be worth the fee. Keep in mind, however, that many professional liability coverage plans will combine the two and include such concerns. The other side of the argument is that no business should operate without general liability, as it is considered the most basic and start-point coverage. A proponent concept for this argument is “the more insurance the better” to properly cover all potential risks. This is a decision that you’ll need to make based on your style and type of operation, as well as the budget you have at your disposal to cover insurance premiums.

Assets and Personal

If you operate in an office, you’ll most likely require general liability insurance as previously stated. However, it’s important to take into account asset related risks such as protecting your computers, files, and office equipment from theft or damage. Investigate potential insurance coverage to ensure that you have this protection. If you work out of a home office, this type of coverage is most likely already handled by your homeowners or renters insurance policy. Lastly, damage protection insurance often contains a deductible amount that is important to be aware of. For example, if I have a renters insurance policy protecting asset damage with a $1,000 deductible amount, and