Industry Guides

A Guide to Insurance for Freelancers

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Key Points
  • Freelancers should protect business equipment and liability with commercial property and general liability coverage—especially important for computers, cameras, and client interactions.
  • Professional liability (errors & omissions) safeguards against claims of unsatisfactory work, while inland marine/owned business property floaters cover gear in transit between work sites.
  • Additional optional coverages—like cyber liability, commercial auto, and workers’ compensation—should be evaluated based on your specific freelance activities and client requirements.

If you’re a freelancer, you’re probably used to wearing a lot of hats. You’re the CEO, CFO, marketing manager, and sales team all rolled into one. But it’s important to remember that, as a freelancer, you’re also responsible for your financial well-being. And that includes having the right insurance coverage in place.

Insurance Policies to Consider

There are several types of insurance that freelancers may need, depending on their industry and the type of work they do. But some of the most common types of insurance for freelancers include:

Additional Insurance Policies to Consider

In addition to these basic types of insurance, freelancers may also want to consider purchasing other types of coverage, such as:


If you’re not sure what type of insurance you need, it’s a good idea to talk to an independent insurance agent like Lewis Mohr. We can help you assess your risks and choose the right coverage for your needs.

Having the right insurance coverage in place can give you peace of mind knowing that you’re protected from financial losses in the event of an unforeseen event. So don’t wait, get insurance for your freelance business today.

Brittany Mohr Headshot

Brittany Mohr Hunter, ARM, AINS

Brittany Mohr Hunter is the Chief Operating Officer at Lewis Mohr Insurance Agency and brings over a decade of experience in commercial insurance and risk management. A third-generation leader in the family business, she earned her degree in Finance with a specialization in Insurance from The University of Alabama, and holds both the ARM and AINS designations. She remains deeply committed to ongoing professional development and staying at the forefront of industry changes, policy updates, and evolving coverage needs—ensuring her clients receive the most informed and up-to-date guidance possible.
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