light raspberry logomark

Run a freelance business? We’ve got you covered

We offer affordable coverage options for many kinds of freelance businesses in Ontario, like writers, social media managers, accountants, personal trainers, software developers, tutors and more. 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.

Wireless computer mouse
Leather work bag
light raspberry logomark

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 experts 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:

umbrella icon for liability

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.

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.

person with coffee cup and laptop icon

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.

hacker at laptop icon

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.

commercial truck icon

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.

Common freelancer insurance questions that are good to know:

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 includes:

  • Writers
  • Social Media Managers
  • Accountants
  • Personal Trainers
  • Web & Software Developers
  • Teachers & Tutors

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.

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.

Learn more about cyber liability insurance

Your business is unique, so are your insurance options.

Being an outlet for over 70 of Canada’s top insurers means we have access to a wide range of insurance solutions as unique as your business – at some of the best rates in Ontario. Want to learn more about the coverage options available to you? Here’s a few of them.