Business Insurance Explained for Freelancers & Small Teams

Tailored protection for your freelance workflow, client data, and paycheck—fast quotes, transparent pricing.

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Running a solo consultancy, small studio, or micro‑business comes with unique risks—from data breaches to contract disputes or unexpected downtime. At InspireInsure, we make business insurance simple and affordable. Our policies are designed to protect your work, your reputation, and your revenue—because even small gaps can mean big headaches.

Cyber Liability Insurance for Freelancers

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Cyber liability insurance covers the fallout from digital incidents like data breaches, ransomware, or phishing attacks—especially critical for freelancers and micro‑businesses handling client data. You get access to forensic experts, breach notifications, legal defense, and cyber extortion expenses covered

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Professional / E&O Insurance

Also known as Errors & Omissions insurance, E&O protects against claims of professional negligence like missed deadlines, faulty deliverables, or bad advice. Whether you're a developer, designer, or consultant, this coverage helps manage lawsuits and settlements you may face even when you do your best.

24/7 breach response and forensic investigation
Client notification and credit monitoring
Extortion/ransomware payments (legal)
Business interruption due to a cyber event
Regulatory defense for privacy violations

Coverage highlights:

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Coverage highlights:

Legal defense and settlement costs
Claims made during active policy period
Retroactive date coverage for prior work
Contractual compliance for clients
IP or copyright disputes (if included)

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General Liability Insurance

Protects against claims involving bodily injury, property damage, or advertising claim perfect for creatives or freelancers who meet clients in person or visit coworking spaces.

Workers’ Compensation Insurance

Provides medical and wage replacement benefits when an employee is injured or becomes ill due to work. In many regions, it’s mandatory if you have any part‑time or full‑time staff.

Third‑party bodily injury or property damage
Personal/advertising injury (defamation, copyright infringement)
Medical payments for minor injuries
Legal defense and court costs

Coverage highlights:

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Coverage highlights:

Medical bills for workplace injuries
Wage replacement during recovery
Disability benefits if injury causes lasting harm
Employer liability protection for lawsuits

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Directors & Officers (D&O) Insurance

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D&O insurance protects leaders—owners, partners, or decision‑makers—from claims alleging mismanagement, fiduciary breaches, or regulatory violations. It safeguards personal assets when lawsuits happen.

Business Interruption Insurance

This policy compensates for lost income and ongoing expenses if a covered event—like fire, cyber outage, or other disruption—halts your operations. Typically part of a property or BOP policy.

Liability for fiduciary breach or misrepresentation
Defense and settlement costs
Side A: personal protection when company can’t indemnify
Side B: reimbursement for company indemnifying individuals

Coverage highlights:

Protect Your Leadership

Coverage highlights:

Lost net income during restoration
Fixed expenses like rent or payroll
Extra expenses to operate temporarily
Civil authority shutdown coverage

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Frequently asked questions

What is cyber liability insurance for freelancers, and why do I need it?

Covers breach response, data recovery, client notifications, and extortion events. It’s essential if you handle sensitive data.

What’s the difference between General Liability and E&O insurance?

GL protects against bodily injury or property damage; E&O covers mistakes in professional services or deliverables.

How much does business insurance cost for micro-businesses?

Expect $50–$150/month per policy depending on coverage limits, industry, and bundled discounts.

Can I bundle policies to save money?

Yes, many insurers offer discounts for combining Cyber, GL, E&O, and Business Interruption into a Business Owner’s Package.