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:


Work mistakes or oversights


Reputational damage and client lawsuit


Lost, stolen, or damaged property and equipment


Loss of income and disability


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?

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
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