Liability Insurance for Freelancers

Here’s what freelancers need to know about liability insurance.

If you are working as a freelancer, then you might be convinced that you do not need the protections offered by small business insurance.  While freelancers are afforded a considerable amount of freedom in their professional lives, the reality is that they still need insurance safeguards.  As freelancers do not have an entire company to back them up, they alone will be held responsible if something goes wrong.  This is why it’s so vital for freelancers to have the right liability insurance in place.  Read on to learn more about this vital insurance coverage.


Despite what you might believe, freelancers actually face a significant amount of risk.  While they may not have to deal with the same threats as a larger corporation, they are still subject to serious liability issues.  For instance, imagine that you are a graphic design freelancer commissioned to create a new logo for a company.  After submitting several different designs, the client asks you to combine elements from two of your designs.  Unfortunately, the end product ends up looking similar to the logo of another company.  In this scenario, the established company could easily sue you for copyright infringement.  If you do not have the protection offered by the right professional liability insurance, then you would be left to handle your legal and settlement expenses all on your own.

Professional Liability Insurance for Freelancers

One way that freelancers can protect themselves is with the right professional liability insurance.  Also known as errors and omissions (E&O) insurance, this type of policy can protect you against claims that you have made a mistake or were somehow negligent during the rendering of your professional services.  This type of insurance offers coverage for the cost of the claim, including the expenses associated with an affected client’s medical treatment and repairs and, if necessary, your lawsuit and settlement.

General Liability Insurance for Freelancers

In addition to professional liability insurance, freelancers should consider investing in general liability insurance.  This type of policy offers coverage for property damage or bodily injury that you cause to a third-party.  Should the injured party decide to sue, then this insurance will also offer coverage for your legal fees and settlement expenses.

This is what freelancers need to know about protecting themselves with the right liability insurance.  Do you have further questions regarding your small business insurance or commercial coverage needs?  Then turn to the experts at PMC Insurance Group.  Contact us today to learn more about getting competitive coverage for your small business clients.

By PMC Insurance Group

Since 1996, PMC Insurance Group has worked to help independent agents grow their client base by offering workers' compensation solutions for a wide array of businesses. As one of the most distinguished workers' compensation wholesalers in the country, we have the tools and resources to help you create coverage programs for both small businesses and large accounts.