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Freelancer Insurance

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Freelance Insurance: Protect Yourself from Lawsuits and Other Risks

As a freelancer, you’ve worked hard to build your own business. You enjoy juggling multiple projects and working a flexible schedule. You know what it takes to grow your business — and you put 100% into succeeding as a solo entrepreneur.

But what would happen if you were sued or one of your clients got injured in your office?

Without business insurance, you may be at financial risk. It’s fairly easy for an angry client to sue you for negligence or for an injury that happens if a client visits you onsite. And even freelancers can experience costly third-party property damage.

Fortunately, Simply Business is here to help. We’re an online insurance platform that specializes in helping freelancers find affordable business insurance options. We’re also fast, and we know freelancers like you are busy. In just 10 minutes, we can help you compare free quotes on policies from the nation’s leading insurers.

Ready to get started?

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Business Insurance FAQs

  • What is Business Insurance?

Coverage Types

Insurance Policies Available for Freelancers:

  • General liability insurance
  • Professional liability insurance

Benefits:

  • Help protect you financially if a claim arises.
  • Cover you if a client accuses you of negligence in your work.
  • Position your business as credible and trustworthy.
  • Fulfill a legal requirement, depending on where you live and work.

Freelancer works at laptop in coffee shop

What Type of Freelance Business Insurance Should I Consider?

It depends on the type of work you do, how much property you have, and how likely you are to get injured on the job. If you’re unsure of anything, you can talk to one of our licensed insurance agents, who are happy to help you find and compare the best policies for your business.

Freelancers who want comprehensive coverage may want to get both general liability and professional liability insurance. Together, these two policies can help protect you from all angles. Anything can happen, and just one incident can make getting a policy worthwhile.

Take a look at how general liability and professional liability insurance can work for freelancers:

General Liability (GL) Insurance

Many freelance business owners can benefit greatly from general liability insurance, as it can help cover the costs associated with third-party accidents, injuries, and property damage. In fact, it’s one of the first policies many small business owners get.

Let’s take a look at how GL insurance usually works. Let’s say you’re a freelance designer and animator who works with several large advertising agencies. One day, you invite a client into your home to discuss a project. During the visit, you accidentally spill hot coffee on your client’s expensive laptop.

Not only is the computer unsalvageable, but your client also loses hundreds of electronic files. Later, you realize it will cost thousands of dollars to replace the equipment, software, and damage done by the client losing all those files.

If you have general liability insurance, your policy can typically help cover these costs, up to your policy’s limit, so you don’t have to pay out-of-pocket for all of your client’s losses and expenses.

General liability insurance can usually cover:

  • Bodily injury to another person (like a client)
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

Here’s what general liability insurance usually doesn’t cover:

  • Damage to your own property
  • Professional services
  • Damage to your work
  • Motor vehicles while in business use
  • Expected or intentional injury or damage
  • And more

Professional Liability Insurance

Most freelancers need professional liability insurance too, especially if your company offers services such as design, writing, data entry, or photography. Professional liability insurance is designed to help cover costs associated with claims of negligence, libel, slander, or copyright infringement (up to your policy limit).

Here’s how it works. Let’s say you’re a successful freelance writer who juggles multiple clients. While on a deadline, you inadvertently misrepresent one of your clients in an article. The article is published without an editorial review and causes the client to lose significant revenue. Later, your client sues you for negligence, costing you thousands of dollars in damages and legal fees.

If you had professional liability insurance, it could cover you up to your policy limit. It also could help cover legal fees along the way. Think you’ll never get sued? Think again. Unfortunately, 43% of small business owners polled say they’ve been involved in or threatened by a civil lawsuit.

If you’re a freelancer, get professional liability insurance now before it’s too late. Your policy can typically cover:

  • Negligence or alleged negligence
  • Legal defense costs
  • Omissions or alleged omissions
  • Copyright infringement
  • Claims and damages
  • And more

Professional liability insurance usually doesn’t cover:

  • Intentional acts and omissions
  • Property damage
  • Medical expenses
  • Bodily injury
  • False advertising
  • Employment matters
  • Patents and trade secrets
  • And more

Freelancer works at laptop in home office

Why Should I Get Freelance Liability Insurance?

As a freelancer, you may think you’ll never get sued. After all, you’re not a large company with a lot of assets — why would someone bother going after you?

But the reality is, you’re still at risk. And even as a team of one, you still can be on the hook if a client or vendor gets injured while working on your property.

Be aware that an unexpected incident can happen at any time. That’s why it’s so important to get business insurance early on, before something bad happens. Just one costly injury or claim is enough to put a freelancer out of business.

Here are the costs of the most common claims:

  • $30,000 for property damage or accident claims
  • $50,000 for reputational harm claims (e.g., in cases of slander or libel)
  • $20,000 for a client slip-and-fall case

Are you able to cover these costs on your own? Generally, most freelancers likely can’t, which is why it’s a good idea to protect yourself by getting solid business insurance.

After all, as a solo entrepreneur, you’re the only one who can take action to protect yourself!

Question marks

Freelance Insurance FAQs

Is freelance insurance required by law?

It depends on where you live and work — and the type of work you do. Every state operates a little differently. For example, if you offer freelance architecture services to contractors, you may need a general liability insurance policy, depending on where you live.

Whether it’s required or not, it’s still a good idea to get business insurance. Financial protection can never hurt, especially because we live in such a litigious society where lawsuits are commonplace.

Is freelance insurance income tax-deductible?

Good news! In general, business insurance is a tax-deductible expense for freelancers. It can help lower your taxable income, which is great for your wallet. If you have questions about deducting your specific insurance premiums, we recommend you talk to an accountant or tax specialist.

How much freelance liability insurance will I need?

The cost can vary greatly, depending on your freelance business. In general, we help freelancers find affordable policies based on:

  • The size of their business
  • Their location
  • Their annual revenue
  • The services they provide
  • And more

When you complete our online quote form, we ask you questions to better understand your business, which helps determine the amount of coverage you may need. We offer affordable quotes from top insurers across the nation so you can compare prices to find the best policy for your business.

If you have questions, we’re here to help. Just call one of our licensed insurance agents, and they’ll point you in the right direction.

What should I consider before buying freelance insurance?

As a freelancer, we know you’re busy, so we designed our quote form to work in just 10 minutes. To help speed up the process, we ask that you have the following information at hand:

  • Annual revenue estimates
  • Information on any previous claims

Does insurance for freelancers differ by state?

Yes, in general, insurance requirements can differ across states, as well as industries. Fortunately, you don’t necessarily need to know the details. Our online quote form can help suggest policy options based on where you live and your line of work.

What does freelance insurance cover?

Comprehensive coverage for a freelance business owner usually includes both general liability and professional liability insurance. Together, these two policies can help cover you during common incidents, including:

  • Bodily injury
  • Accidents and damages
  • Unintentional mistakes
  • And more

We know every freelance business is different, and we encourage you to work with our licensed insurance agents to design coverage options that meet your business’s needs. Call our team or start by filling out our online quote form.

How much does freelance insurance cost?

The cost of insurance can vary greatly. Our online quote form and licensed agents can help you find affordable coverage based on:

  • Your business’s location
  • The services you provide
  • Your estimated annual revenue
  • And more

Do you want to know how much business insurance may cost you? Just answer a few quick questions about your freelance business, then we’ll show you free quotes from top insurers nationwide!

What if I perform multiple activities as a freelancer?

As a freelancer, you probably do a little bit of everything. We understand. Let us know exactly what work you do and how often. Then we’ll suggest coverage options to protect your business.

Freelancer works at laptop in shared office space

Why Choose Simply Business?

At Simply Business, we’re proud to work with freelancers and other small business owners. Freelance workers are a key part of our economy and help cultivate creativity and ingenuity. We want to see independent workers, like you, fully protected and thriving.

We understand freelancers and the unique way they work. As a result, we can show you affordable policies to meet your needs. As a quickly growing online insurance platform, freelancers nationwide trust us to match them with quality freelance business insurance providers.

Need more reasons to choose Simply Business?

  • We do more than offer insurance. We want you to be successful, so we offer informational resources and support to help freelancers grow their businesses.

  • We prioritize simplicity. As a freelancer, you wear many hats. But you don’t need to be an insurance expert. Our licensed agents work hard to help you understand your policy and answer your questions.

  • We prioritize your time. We strive to make getting insurance hassle-free. That’s why we designed our online quote form to give you affordable quotes in just 10 minutes.

You may be a team of just one, but you deserve big-league protection. Take 10 minutes today to compare quotes on freelance business insurance. You won’t regret taking the next step to protect yourself.

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.