Business Insurance Guidance for Freelancers & Independent Professionals
ProsCoverage provides research-based insights to help freelancers, consultants, and small business owners understand professional liability, general liability, and business insurance options in the United States.
What We Cover
Professional Liability (Errors & Omissions)
Professional liability insurance helps protect freelancers and consultants against claims related to mistakes, negligence, or failure to deliver services as expected. We provide detailed guides explaining what this coverage includes, who needs it, how much it typically costs, and how it compares across providers.
General Liability Insurance
General liability insurance covers third-party claims involving bodily injury, property damage, and certain legal expenses. Our resources explain how this coverage applies to independent professionals, when it may be required, and how to determine appropriate coverage limits.
Business Insurance Costs & Pricing
Understanding insurance pricing is essential before choosing a policy. We break down average premium ranges, factors that influence cost, monthly payment estimates, and pricing differences by industry and business structure.
Business Structure & Legal Considerations
Insurance needs can vary depending on whether you operate as a sole proprietor, single-member LLC, independent contractor, or small business owner. We explain how business structure affects liability exposure and insurance considerations.
Industry-Specific Coverage
Different professions face different risks. Our industry-specific guides explore insurance considerations for marketing consultants, IT professionals, coaches, web designers, virtual assistants, and other independent specialists.