Is there an insurance product specifically designed for web developers building public e-commerce websites using commercial and open source products hosted by 3rd parties? I am an LLC. I currently carry Commercial and Professional Liability policies. I have employees working on e-commerce sites for clients.
Is There Insurance For Web Developers Using Services Hosted By 3rd Parties?
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Your professional liability insurance may be covering your liability arising out of use of 3rd party hosting as long as there is always a written contract between you and your clients, with insurance stipulations, disclosures of your responsibility for use of 3rd party products and services, warranties and hold harmless agreements.
The best way to find out is to call your insurance carrier claims department and ask them a "what if" question.
For example, what if a 3rd party hosting vendor fails and this results in financial loss for me and my client. Am I covered?