Run a freelance business? We’ve got you covered
We offer affordable coverage options for many kinds of freelance businesses in Ontario:
- Writers
- Social media managers
- Accountants
- Personal trainers
- Software developers
- Tutors
Whether you’re a full-time freelancer or just testing the waters of being self-employed, we’ll make sure you’re properly covered for liability and more.
How much is freelancer insurance?
Every freelancer has their own unique needs. While there’s no one price fits all solution, our basic coverage starts as low as $500 a year. The great thing about working with us is that our business insurance brokers will shop our partner network of over 70 of Canada’s top insurance companies to get you the best coverage at some of the best prices around.
What does freelancer insurance cover?
Freelancers insurance typically covers things like liability, your car, your office equipment and more. Have a closer look:
Commercial general liability
You’re covered if you cause property damage or accidentally hurt someone. It includes things like medical expenses, legal fees and court-awarded costs. We’ll be there to help if something happens.
More about CGL
Professional liability
Essential protection for freelancers, especially if you work as a consultant or provide advice. You’re covered for professional mistakes, negligence, or failure to deliver on a project.
More about professional liability insurance
Business contents
Covers your business assets from damage or theft, whether you rent, own the building or work from home. Includes stuff like computers, office equipment, furniture, inventory, and business supplies.
More about business contents insurance
Cyber
Covers lost sales and revenues because of cybercrime and includes technical recovery support, legal and PR help – especially if sensitive personal or client data has been stolen or leaked publicly.
More about cyber insurance
Commercial auto insurance
You likely use your own personal vehicle to travel to assignments or meet clients. If so, your personal auto insurance policy may not provide adequate protection in the event of an accident or if the car is stolen.
More about commercial auto insurance
Frequently asked questions about freelance insurance:
As a freelancer, do I need to have insurance?
Although freelancer insurance is not mandatory it is highly recommended. It’s important to know that your work is not likely covered under the insurance policies of other companies that you may contract with.
Some of the freelance clients we find affordable coverage for include:
- Writers
- Social Media Managers
- Accountants
- Personal Trainers
- Web & Software Developers
- Teachers & Tutors
Is my freelance business covered by my home insurance?
Most home insurance policies only cover a very small amount for business contents and some homeowner’s policies exclude business-related claims, so you want to be sure that your properly covered. If you run your business from home, the good news is that you don’t need property insurance for a building, so insurance will likely be much more affordable. Talk to one of our insurance specialists about coverage tailored for your freelancer business today.
My freelance business is small. Do I still need cyber insurance?
As a freelancer, odds are your business has some form of reliance on technology, and valuable data stored on your computer or in the cloud. Whether it’s personal information, client information, credit card details, passwords, or a website or social media presence promoting your services, the harsh reality is that your business can be a prime target for cyber criminals. Cyber insurance is an essential piece of coverage that can help keep you protected in the case of phishing scams, ransomware, or an accidental loss of client data that can lead to steep regulatory fines and damage to your professional reputation.
More about cyber liability insurance
