Freelancer & Independent Contractor Insurance — Coverage, Cost & Requirements
E&O and general liability tailored for freelancers, writers, designers, and solopreneurs.
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What Coverage Does Freelancer & Independent Contractor Insurance Include?
Most freelancer & independent contractor businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Professional Liability (E&O)
Covers claims that your advice or services caused financial harm to a client.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Cyber Liability
Covers data breach response, ransomware, notification costs, and cyber liability.
How Much Does Freelancer & Independent Contractor Insurance Cost?
The cost of freelancer & independent contractor insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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