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
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Summary

This page explains the importance of business insurance for freelancers, who lack employer-provided coverage. It details common risks freelancers face, such as mistakes, lawsuits, and property damage, and outlines the types of coverage available, including General Liability and Product Liability. The page also lists various freelance professions covered and factors influencing insurance costs.

Key Facts

Frequently Asked Questions

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, Lawsuit, Reputational damage and client lawsuit, Property, Loss of income and disability, Contracts, Marketplace Requirements.

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. Popular insurance policies for small business owners include General Liability (covering Bodily Injury, Third-Party Property Damage, Advertising and Reputational Injury) and Product Liability.

What types of freelancers do we cover?

Coverdash covers a wide range of freelancers including 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 Consultants, Management Consultants, Legal Consultants, HR Consultants, Event Planners, and Travel Planners.

How much does freelancer insurance cost?

The exact amount you pay for freelancer insurance will depend on the types of freelance projects you work on, where you and your clients are located, your revenue and employee payroll, and your level of industry experience.

Related Entities

Companies
Coverdash
Products
General Liability, Product Liability