Business Insurance for the Self-Employed
Self-employed means self-responsible. No HR department, no employer coverage, no safety net. Build yours in under 15 minutes for less than you spend on lunch.
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Coverage Types for the Self-Employed
These are the key insurance policies most relevant to your business type — ranked by importance.
General Liability
Highly RecommendedCovers you if a client or third party claims you caused injury or property damage. Even service-based self-employed workers face slip-and-fall, client property damage, and advertising injury claims.
Professional Liability (E&O)
Highly RecommendedCovers claims your professional services caused financial harm. One unhappy client can file an E&O claim regardless of whether they have a legitimate case. Defense costs alone justify the premium.
Business Interruption
RecommendedIf a covered event (fire, natural disaster, equipment failure) prevents you from working, business interruption replaces lost income during the recovery period. Critical for self-employed people with no backup income.
Health Insurance
Highly RecommendedNot a business policy — but essential. As self-employed, you are responsible for your own health coverage. ACA marketplace plans with self-employed deductions make this more affordable than many assume.
Disability Income
RecommendedIf illness or injury keeps you from working for weeks or months, disability income pays a percentage of your earnings. Self-employed people have no employer-paid sick days or short-term disability benefits.
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What You Need to Know
- →Self-employed status does not create a legal entity — without an LLC, you have no liability shield at all.
- →Most self-employed people are underinsured: they have no GL, no E&O, and assume their homeowners policy covers business activities (it does not).
- →Many clients — especially corporations and government agencies — require proof of insurance before signing any contract.
- →Being sued without insurance means paying defense attorneys, expert witnesses, and any settlement entirely out of pocket.
- →The average cost of defending a small business lawsuit (regardless of outcome) exceeds $50,000.
What Does It Cost?
GL only for low-risk self-employed professionals: $29–$55/month. GL + E&O bundle: $55–$110/month. Trade workers pay more based on risk level. All premiums are 100% tax deductible.
Frequently Asked Questions
Frequently Asked Questions
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