Web Site Designers

What Does GL Code 96930 Cover?

ISO GL class code 96930 covers businesses primarily engaged in designing and developing websites for clients. This includes services such as graphic design for web, coding, content management system integration, and e-commerce platform setup. The code classifies operations related to the creation and maintenance of digital interfaces and online presence.

Who Uses This Class Code?

This code applies to independent web designers, web development agencies, digital marketing firms offering web design services, and freelance front-end or back-end developers. It also includes businesses specializing in UI/UX design for web applications and e-commerce site builders.

Common GL Claims for This Class

Common GL claims for web designers include bodily injury to a client visiting the designer's office, property damage to client equipment during an on-site meeting, or advertising injury claims such as libel or copyright infringement related to website content.

Coverage Tips for Code 96930

• Ensure your General Liability policy is complemented by Errors & Omissions (E&O) coverage, as GL typically excludes claims arising from professional advice or design flaws.
• Clarify intellectual property rights and ownership in all client contracts to mitigate potential copyright infringement claims.
• Review your contracts for indemnification clauses that could expose you to liability for client content or third-party software used in web development.
• If using subcontractors, require them to carry their own professional liability and general liability insurance, naming your business as an additional insured.