US · Liability basics
Professional vs General Liability Insurance for Freelancers
A mistake in your work and an accident at a client’s office raise different insurance questions. Start by separating the two.
The guide library
Business insurance guides for freelancers
Start with the basics, understand the wording, then prepare your questions.
Find the guide for your next task
- Understand liability: compare US professional and general liability or UK professional indemnity and public liability.
- Prepare for a client contract: read consultant E&O questions or the UK freelancer contract checklist.
- Compare proposals: use the printable insurance quote checklist and worksheet.
- Run a digital agency: prepare your agency insurance brief and explore UK cyber insurance questions.
US · Professional liability
E&O Insurance for Consultants: Coverage Questions & Checklist
Give an insurance agent a precise picture of your consulting work before you compare premiums.
UK · Liability basics
Professional indemnity vs public liability for freelancers
The names sound similar. The exposures they address are different.
UK · Client contracts
A UK freelancer’s insurance check before a new contract
Before accepting the next project, make sure the insurance conversation describes the work you are actually agreeing to do.
UK · Cyber insurance
Cyber insurance for digital agencies: questions before you buy
Build the discussion around your access to client systems, not simply the number of laptops in your office.
US & UK · Buying guides
Compare business insurance quotes beyond the price
Two quotes can look similar on the first page and answer very different questions in the wording.
US & UK · Policy wording
Claims-made policies: questions to ask before switching
The date you performed the work is only one date to discuss when reviewing a claims-made policy.
US & UK · Agency guides
Digital Marketing Agency Insurance: A Coverage Checklist
A useful brief explains what your agency does, what it can access and what its contracts promise.
US & UK · Policy wording
Insurance Policy Documents: Schedule, Wording & Endorsements
A short summary can orient you. Understanding the contract takes a complete set of documents.
US & UK · Insurance basics
Business insurance terms in plain English
Use these explanations to get oriented, then check how your own policy defines each term.
US & UK · Renewal planning
Freelancer Insurance Renewal Checklist
Renewal is a chance to check whether the description of your business still matches reality.
UK · Before you buy
How to check an insurance firm using FCA resources
A familiar logo or convincing email is not enough to establish who you are dealing with.
US · Before you buy
Finding your state insurance department: a freelancer’s guide
Use the relevant state regulator as your starting point for official insurance information.
US & UK · Client contracts
US and UK clients: questions about cross-border insurance
“I work online” does not describe all the geographic connections in a client relationship.