Freelancer
Running your own business comes with plenty of achievements, but every business also has its own risks.
Everything you need
Why do freelancers need insurance?
As a freelancer, you don‘t have the benefit of working under the umbrella of an employer‘s insurance coverage. No matter what type of freelance work you‘re doing, every profession comes with a particular set of common risks. Obtaining the right insurance is crucial to protect your business from:
Mistakes
- Work mistakes or oversights
Lawsuit
- Reputational damage and client lawsuit
Property
- Lost, stolen, or damaged property and equipment
Loss
- Loss of income and disability
Contracts
- Client contract requirements
Marketplace Requirements
- Insurance requirements by marketplaces (i.e., Fiverr)
What does freelancers insurance cover?
Choosing the right freelance business insurance can help protect you from costly risks and liabilities, but the right policies for your business will depend on the services you offer.
Here are some of the most popular insurance policies for small business owners, covering the most common risks you'll face as a freelancer:
Bodily Injury
Someone other than you (or an employee) is injured and your business is responsible for medical, legal and damages.
Third-Party Property Damage
Customer property is damaged by you (or an employee).
Advertising and Reputational Injury
Your business is accused of copyright infringement, malicious prosecution, slander, libel, wrongful eviction and violating a person's privacy.
Product Liability
Products developed or sold by your business harm people or property, and your business is responsible for legal and medical expenses.
What types of freelancers do we cover?
Web Designers
Application Designers
Software Developers
Software Engineers
UI Designers
UX Designers
Mobile App Developers
Front-End Developers
Data Analysts
Artists
Graphic Designers
Logo Designers
Animators
Digital Marketers
Social Media Managers
Advertisers
Photographers
Writers
Translators
Videographers
Editors
Producers
Business Consultant
Management Consultants
Legal Consultants
HR Consultants
Event Planners
Travel Planners
How much does freelancer insurance cost?
Coverdash helps you identify the appropriate coverage to suit your freelancer needs without breaking the bank. The exact amount you pay will depend on:
- The types of freelance projects you work on
- Where you and your clients are located
- Your revenue and employee payroll
- Your level of industry experience
