What insurance coverage do gig workers need?
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MALE VOICEOVER: As a gig worker, you're able to set your own work hours fees and workspace. However you don't have an employer to protect you from lawsuits. With business insurance, you can safeguard your personal assets and your freelance business from costly repairs, legal fees, and medical expenses. Let's take a closer look at some of the top policies that can help protect your business.
[video: an illustrated header displays the text: "General liability covers:"]
[video: Under above header, three bullet points display the text: "Slip-and-fall accidents"; "Client property damage"; "Advertising lawsuits"]
General liability insurance covers third-party accidents, such as customer injuries or property damage that could happen at your home office. It also covers personal and advertising injury claims, such as libel or slander.
[video: an illustrated header displays the text: "Professional liability insurance covers:"]
[video: Under above header, three bullet points display the text: "Accusations of negligence"; "Missed deadlines"; "Errors that cost your clients money"]
Professional liability insurance, sometimes called errors and omissions coverage, will protect your business from lawsuits related to work mistakes and oversights.
[video: an illustrated header displays the text: "Workers' comp covers:"]
[video: Under above header, three bullet points display the text: "Work-related medical fees"; "Disability benefits"; "Lawsuits from employee injuries"]
Workers' compensation insurance is required in most states for businesses with employees, and can shield you from work-related medical costs your personal insurance may not cover.
[video: an illustrated header displays the text: "Cyber insurance covers:"]
[video: Under above header, three bullet points display the text: "Data breach notification costs"; "Data breach investigations"; "PR costs for reputational harm"]
Cyber insurance can help your business financially recover from data breaches, phishing, and other types of cyberattacks.
[video: an illustrated header displays the text: "Commercial auto covers:"]
[video: Under above header, three bullet points display the text: "Auto accident injuries"; "Property damage caused by vehicles"; "Vehicle theft and vandalism"]
Commercial auto insurance protects you from costs due to an accident involving your company vehicle. If you drive your personal vehicle for work, hired and non-owned auto insurance may be an alternative solution.
[video: an illustrated header displays the text: "Why is insurance important?"]
So, why is it important for you to have insurance as a gig worker?
[video: an illustrated header displays the text: "Insurance enables you to:"]
[video: Under above header, three bullet points display the text: "Sign contract & leases"; ""Comply with laws"; Apply for a loan";]
You may need coverage to sign a contract or lease. You also might need insurance to comply with federal, state, or local laws.
[video: an illustrated header displays the text: "Insurance enables you to:"]
[video: Under above header, three bullet points display the text: "Endure lawsuits & losses"; "Gain client trust"]
Insurance also protects you from catastrophic losses that could derail your business. Plus, the right coverage can help you gain a client's trust.
We make it easy for small business owners and freelancers to find the right, most affordable coverage.
Get free quotes for your small business with Insureon today.
[video: an illustrated white header displays the text: "Insureon is the #1 agency for small business insurance"]
Click the link to get started.
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