Do freelancers need insurance?

I had never even thought of this. Why would a freelance web developer need insurance? But, my older brother became an insurance agent and, during his initial training and certification, was taking classes on business insurance. That got him curious and he started asking me about it. I hadn’t realize how at-risk I actually was. So, I started doing some research on it and this is what I found.

Do freelancers need insurance? Yes. In fact, depending on your situation, you may want to get up to three different types of insurance to cover your freelance business: General Liability Insurance, Property Insurance and Professional Liability Insurance.


Let me give you an example.

In 2013, a British transcriber named Lesley Kemp was hit with an $82,630 lawsuit because of one tweet she’d sent. She was working with a Qatar-based client and they had paid her invoice late. So, she posted a tweet complaining about it.

They sued her.

The case was eventually dropped. And, lawsuits can be completely meritless, but you’ll still have to defend yourself. Hire lawyers and all that. Which can cost you thousands even if the case never even makes it to trial.

But, the right kind of insurance can cover these costs.

So, let’s talk about the three I mentioned:

General Liability Insurance

General Liability Insurance is as the name implies… protection from general liability for all sorts of things. Lawsuits and other claims. If you have an office or meet clients at a location that you own and they suffer some kind of bodily injury while on premises. Slander, libel and claims of copyright infringement.

Of course, it’s important to look at your exact policy.

Different companies and policies will (and will not) cover certain things. Generally, the way it works is your policy will have a limit (for example $1,000,000) and will cover any expenses up to that limit… whatever they may be.

Every freelancer should really have this kind of insurance. It’s not expensive and it’s a good foundational insurance to make sure you’re covered against most of the unexpected things you might encounter when freelancing.

And, I’ve seen companies offering $1,000,000 in coverage for as little as $19/month.

Next is…

Property Insurance

If you have a lot of expensive equipment, you’ll want to get this kind of insurance. Keep in mind, your homeowner’s or renter’s insurance (if you have it) won’t necessarily cover items you’ve purchased for your business.

So, don’t think you’re safe just because you have either of those.

You’ll want to talk with your insurance agent and find out where you stand coverage-wise, but I personally like to have my business and personal completely separate. So, I keep this kind of insurance to guarantee my business property is covered.

Lastly, let’s talk about…

Professional Liability Insurance

This will only apply in certain situations. If your work has some sort of licensing, then you’ll want to look into this kind of insurance. For example, doctors, lawyers, engineers… these professions all tend to have this kind of insurance.

But, IT consultants can fall into this category.

If the work you do requires any kind of certification or licensing, you have the potential to be sued if something goes wrong with a client. You make a mistake, you don’t fully deliver on the service you offer or you’re negligent in some way.

This insurance can help cover you.

Of course, I have to give you the..


I’m not an insurance agent or legal expert. I’m simply providing this information for educational purposes based on my personal experience. Nothing here should be construed as legal advice. It’s simply to give you general information and a general understanding of the different insurance options that might be available to you.

Of course, this is just one of the many things I’ve learned in my 15 years as a freelancer. And, I’ve found it’s things like this that “you don’t know, you don’t know” that once you do learn them can make all the difference.

Not just protecting your business.

But, getting clients.

Getting paid on time.

Making clients happy and turning them into repeat clients.

All the things you need to do to be successful as a freelancer. That’s why I created my “weird” online course called “Let’s Talk Freelance”. It’s a forum for me to share the things I’ve learned AND for you to ask questions and let me help you over the big things holding you back.

In any case, you can learn how to get access to it for free here.

Join 7,700 Other Freelancers Who've Built Thriving Freelance Businesses

Over 7,700 other freelancers have started thriving freelance businesses using the information on this blog. Are you next? Subscribe below to get notified whenever a new article is posted and create your own success story:

You might also like

John Morris


I’m a 15-year veteran of freelance web development. I’ve worked with bestselling authors and average Joe’s next door. These days, I focus on helping other freelancers build their freelance business and their lifestyles.

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Join 7,700 Other Freelancers Who've Built Thriving Freelance Businesses

Over 7,700 other freelancers have started thriving freelance businesses using the information on this blog. Are you next? Subscribe below to get notified whenever a new article is posted and create your own success story:

Success Stories

Ready to add your name here?

Tim Covello

Tim Covello

75 SEO and website clients now. My income went from sub zero to over 6K just last month. Tracking 10K for next month. Seriously, you changed my life.

Michael Phoenix

Michael Phoenix

By the way, just hit 95K for the year. I can’t thank you enough for everything you’ve taught me. You’ve changed my life. Thank you!

Stephanie Korski

Stephanie Korski

I started this 3 days ago, following John’s suggestions, and I gained the Upwork Rising Talent badge in less than 2 days. I have a call with my first potential client tomorrow. Thanks, John!

Jithin Veedu

Jithin Veedu

John is the man! I followed his steps and I am flooded with interviews in a week. I got into two Talent clouds. The very next day, I got an invitation from the talent specialists from Upwork and a lot more. I wanna shout out, he is the best in this. Thanks John for helping me out!

Divyendra Singh Jadoun

Divyendra Singh Jadoun

After viewing John’s course, I made an Upwork account and it got approved the same day. Amazingly, I got my first job the very same day, I couldn’t believe it, I thought maybe I got it by coincidence. Anyways I completed the job and received my first earnings. Then, after two days, I got another job and within a week I got 3 jobs and completed them successfully. All the things he says seem to be minute but have a very great impact on your freelancing career.

Sarah Mui

Sarah Mui

I’ve been in an existential crisis for the last week about what the heck I’m doing as a business owner. Even though I’ve been a business for about a year, I’m constantly trying to think of how to prune and refine services. This was very personable and enjoyable to watch. Usually, business courses like this are dry and hard to get through…. repeating the same things over and over again. This was a breath of fresh air. THANK YOU.

Waqas Abdul Majeed

Waqas Abdul Majeed

I’ve definitely learnt so much in 2.5 hours than I’d learn watching different videos online on Youtube and reading tons of articles on the web. John has a natural way of teaching, where he is passionately diving in the topics and he makes it very easy to grasp — someone who wants you to really start running your business well by learning about the right tools and implement them in your online business. I will definitely share with many of the people I know who have been struggling for so long, I did find my answers and I’m sure will do too.

Scott Plude

Scott Plude

I have been following John Morris for several years now. His instruction ranges from beginner to advanced, to CEO-level guidance. I have referred friends and clients to John, and have encouraged my own daughter to pay attention to what he says. All of his teachings create wealth for me (and happiness for my clients!) I can’t speak highly enough about John, his name is well known in my home.

Sukh Plaha

John is a fantastic and patient tutor, who is not just able to share knowledge and communicate it very effectively – but able to support one in applying it. However, I believe that John has a very rare ability to go further than just imparting knowledge and showing one how to apply it. He is able to innately provoke one’s curiosity when explaining and demonstrating concepts, to the extent that one can explore and unravel their own learning journey. Thanks very much John!

Mohamed Misrab

Misrab Mohamed

John has been the most important person in my freelance career ever since I started. Without him, I would have taken 10 or 20 years more to reach the position I am at now (Level 2 seller on Fiverr and Top Rated on Upwork).

Join 7,700 Other Freelancers Who've Built Thriving Freelance Businesses

Over 7,700 other freelancers have started thriving freelance businesses using the information on this blog. Are you next? Subscribe below to get notified whenever a new article is posted and create your own success story: