Freelance Insurance

small business owner protected by freelance insurance

Find the Freedom To Create With Freelance Liability Insurance

Being a freelancer gives you the flexibility to wear many hats to complete projects for your clients. It also means you face unique risks in the course of your work. Freelance insurance can help you grow as a creative professional – knowing you’re better prepared for the unexpected.
 
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small business owner protected by freelance insurance

Why Do You Need Freelance Insurance?

Freelancers face unexpected risks every day during normal operations. Without business insurance coverage, you’ll have to pay for claims out of pocket, putting your business at financial risk. Freelancer liability insurance helps protect your operations and reputation, so you can run a successful business without worrying about the cost of unforeseen setbacks.
small business owner researching freelance business insurance

Who Needs Freelance Business Insurance?

  • Graphic Designers
  • Web Developers
  • Content Writers
  • Marketing Consultants
  • Virtual Assistants
  • Photographers
  • Social Media Managers
  • Editors
small business protected by insurance for freelancer

What Type of Insurance Do I Need for a Freelance Business?

To protect their business, many freelancers start with a Business Owner’s Policy (BOP). Most freelancers choose this as their foundation for freelancer insurance because of the peace of mind it offers.
A BOP combines three essential types of coverage into a single policy to help protect your freelancing business from claims of bodily injury and property damage:
 
We know freelancers are as unique as the work they do. That’s why we’ve made it easy to add more coverage to your BOP, so you can create a comprehensive insurance plan customized for your business.
 

How Much Does Freelance Insurance Cost?

Freelance insurance costs depend on each freelancer’s unique needs. Here are the average costs our customers pay for certain popular types of coverage:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
Wondering how much freelance insurance will cost you? Get a quote today.
small business owner protected by freelance liability insurance

Here For You 24/7

We understand how busy freelancers are and how valuable your time is. That’s why we make it easy for you to get your proof of insurance online instantly, so you can focus on what matters most – your clients.

Covering Your Operations

As a freelancer, your business is your livelihood. If something happens to impact your operations, how can you recover? From cyber breaches to unexpected property loss, the right type of freelancer insurance can help you get back up and running.
There were 2,365 data breach cyberattacks in 2023 involving 343,027,892 victims.2
 
 
 
Data Breach Insurance for freelancers

Data Breach Insurance

“My computer got hacked, and my clients’ personal information was stolen. I realized the hackers took my customers’ names and payment information.”
 
Data breach insurance helps you respond to a breach if personally identifiable information (PII) or protected health information (PHI) gets lost or stolen. Whether a hacker breaks into your network or an employee accidentally leaves their laptop at a restaurant, this coverage can help protect your freelancer business.
Business Income Insurance for freelancers

Business Income Insurance

“A fire broke out in my home office, and it completely wiped out my workspace. I couldn’t start any projects for weeks, because my computer and equipment were ruined.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate due to covered property loss.

Taking Care of Your Team

Whether your business has one freelancer or several, taking care of your team is crucial to your success. If one of your freelancers gets hurt or sick from their job, they might miss work. If they’re named in a lawsuit, it could be financially devastating for them. Freelance insurance solutions can help protect your team from these unexpected risks.
72% of musculoskeletal injuries and illnesses in the workplace are caused by sprains, strains or tears.3
 
 
 
Workers’ Compensation Insurance for freelancers

Workers’ Compensation Insurance

“One of our consultants tripped in the hallway and fractured their ankle. They were out for weeks and had to go to several physical therapy appointments for recovery.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace their lost wages if they can’t work. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies. 
Commercial Auto Insurance for freelancers

Commercial Auto Insurance

“I was in my company van to meet a client when I rear-ended another car in traffic. The other driver had to go to the hospital for whiplash.”
 
Commercial auto insurance helps protect your business on the road if a company-owned vehicle is used for work. It can help cover claims of bodily injury or property damage from an accident your business is involved in.

Protecting Your Property

Whether you’re freelancing as a creative or consulting with other businesses, you rely on your business’ property to do your job. Equipment damage or theft can stop your business in its tracks. Freelance insurance helps protect your essential equipment and supplies, so you can recover and continue working on projects without missing a beat.
85% of small businesses report experiencing theft at least once a year.4
 
 
 
General Liability Insurance for freelancers

Commercial Property Insurance

“I was doing client work at a café and went to refill my coffee. When I came back to my table, my laptop was gone.”
 
Commercial property insurance helps protect your business' owned or rented buildings, as well as tools, equipment and supplies you use to operate as a freelancer. 
General Liability Insurance for freelancers

General Liability Insurance

“I was setting up a design presentation at a client’s office when I accidentally knocked over a decorative vase, and it shattered into pieces. It turned out to be an expensive, one-of-a-kind piece.”
 
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.

Freelance Insurance You Can Count On

We understand the challenges you face as a freelance professional, from managing client expectations to ensuring you have the tools and coverage you need to keep your business running smoothly. That’s why our insurance is designed to fit your specific freelancing needs, offering peace of mind and comprehensive protection for your freelance business.
 
Learn about other professions we insure:
 

Frequently Asked Questions About Freelance Insurance

Freelancer liability insurance solutions help protect your business from claims related to bodily injury, illness or property damage that may occur during your work. For example, if you accidentally damage a client’s property, your insurance can help cover expenses and potential legal costs. It also provides protection for your business’ equipment, such as computers and cameras, so your operations aren’t interrupted by unexpected incidents.
Freelance insurance is critical, because it helps protect your practice from claims that can come up during normal operations. It can help cover expenses related to various claims, such as property damage or workers’ compensation. Without coverage, you may have to pay out of pocket for costly damages, which could be financially devastating to your business. Plus, some states require certain types of business insurance, so it’s important to stay protected and compliant.
 The best way to get Freelance insurance from The Hartford is to get a free quote online. Our process is fast and simple. In just a few minutes, you can receive a quote for your needs.
small business owner protected by freelancer insurance

Get a Quote for Freelance Insurance

Get the protection you need to help your freelance business thrive.
 
Quote Today
 
 
Last Updated: April 9, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Identity Theft Resource Center, “2023 Data Breach Report”
 
3 National Safety Council, “Musculoskeletal Injuries”
 
4 Forbes, “Forbes Advisor 2023 Small Business Insurance Survey”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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