Business Insurance for Contractors and Freelancers

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Monday – Friday, 7am – 10pm ET M–F, 7a –10p ET

Why do contractors and freelancers need insurance?

Being an independent contractor or freelancer is a dream come true for many people. You can set your own hours and grow your own business. It's also exciting to build your brand and take on new customers or clients. However, there are a lot of risks with owning your own business as you're vulnerable to all kinds of lawsuits. 

For example, a competitor might sue your business because they say you stole their idea. Or, a client could slip and fall while visiting your home office for a meeting and sue you for medical expenses. Hiscox offers liability insurance to protect against these types of risks. 

With liability insurance in place, you can grow faster and more confidently without worrying about losing money in costly litigation. Having insurance is important especially for contractors and freelancers because they're under stress to support their growing business and cover all their expenses. Plus, they are usually sole proprietors, which means their personal assets are at risk if they get sued. That's why we carry comprehensive contracting/freelancing insurance options to mitigate the risks in your industry.

Insurance policies available for contractors and freelancers:

There are three main types of business insurance policies for businesses like yours. They each provide unique protections to help you confidently manage your business and reduce your risks.

Why do contractors and freelancers choose Hiscox?

As a freelancer or contractor, if something goes wrong, you're responsible, so you don't want to delay obtaining the proper insurance. With a fast and free application process, you can receive your policy documents in your inbox today. 
Hiscox offers:

  • Flexible plans: Set up convenient monthly payments with no fees. This makes it easier to manage your cash flow.
  • Customized insurance: We can create a custom policy specific to the risks in your particular industry.
  • Claims responsiveness: Our dedicated team is ready to assist with your covered claims.
  • Coverage for contracts: Our insurance coverage satisfies most standard contract insurance requirements.
  • Global assistance: Work anywhere in the world with Hiscox. When filing claims, file them in the U.S., a U.S. Territory or Canada.
  • Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service.

At Hiscox, we'll confidently back your business. That way you can focus on what's ahead, your business pursuits, nurturing your clients/customers and taking that well-deserved vacation.

With Hiscox backing you, you can focus on success. Get a free quote now and if you have any questions, call us at 1-866-283-7545. Our team of licensed agents is available Monday – Friday, 7am – 10pm ET.

Hiscox Customer Reviews

Hiscox rated 4.7/5
Rated 4.7/5

Vincente, Los Angeles, CA

“Great customer service on the personal and business side”

I'm very happy with my experience both personal and business wise with Hiscox


James, St. Augustine, FL

“Beyond EASY”

very convenient and extremely easy. The employees on the telephone are very helpful


Dan, St Paul, MN

“Very helpful and friendly service. Answered all of my questions. I would recommend their services”


Glenda, Fort Worth, TX

“I will definitely recommend Hiscox to my colleagues.”

I was completely blown away by the level of quality customer service. I was given a quote based on my needs and was able to complete the process on the first call.


Kevin, Salina, KS

“No Complaints – Hiscox Rocks”

I appreciated the experience I had with the Hiscox's representative. He was very informative and thorough. He reviewed my policy and answered my questions to my satisfaction. I will be happy to recommend Hiscox's to anyone. Overall my experience was good!


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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.