Protect Your Business

Buy Liability Insurance

Benefits Summary

  • Fast and simple: You can quote and buy in minutes online or by speaking to an agent.
  • Flexible payment options to help manage cash flow.
  • Coverage from $22.50 per month

Why liability insurance?

Liability insurance is required by many clients, and helps freelancers protect themselves and their business from the financial burden of mistakes and accidents — whether they were at fault or not.

Who's eligible?

Freelancers Union and Hiscox specialize in customizing professional and general liability insurance for many freelance professions including but not limited to:

  • Web & Graphic Designers
  • Photographers
  • Real Estate Agents
  • Business & Marketing Consultants
  • IT Consultants
  • Beauty & Fitness Professionals

Professional and General Liability: What's the difference?

Professional Liability Insurance

Coverage limits

Hiscox tailors your professional liability coverage to your specific business needs and offers policy limit options up to $2,000,000. Higher limits can be considered upon request, if required by contract.

Why is it required?

Professional liability insurance protects you and your business from claims regarding negligent performance of your professional services, and will defend you even if you haven’t made a mistake, but are faced with unfounded accusations by a client.

General Liability Insurance

Coverage limits

Most contracts require at least $1,000,000 worth of general liability coverage. Hiscox offers policy limit options up to $2,000,000. Higher limits can be considered upon request, if required by contract.

Why is it required?

General liability insurance (CGL or GL insurance) protects your business from third party claims for bodily injury, associated medical costs, and damage to someone else’s property.

Have Questions?

Speak with a Hiscox licensed advisor at 800-591-9829 (Mon-Fri, 8am-10pm EST), email us at membership@freelancersunion.org, or get a free quote online now.

Where you buy insurance matters.

Your purchase supports advocacy for freelancers at no additional cost to you.

Fine Print - Lawyers Made Us Do It!

Freelancers Union, Inc. (FU) is not a licensed insurance agent. Freelancers Insurance Agency, a wholly owned affiliate of FU, is a licensed producer in the lines of Property and Casualty insurance in New York, Pennsylvania, New Jersey and California only. FIA contracts with Hiscox Inc., a nationally licensed insurance producer. Other than New York, Pennsylvania, New Jersey and California, Hiscox is acting as the insurance agent of record. You should consider your needs when selecting products. FU does not make specific product recommendations for individuals. Each insurer has sole responsibility for its products.

The information on this Website about insurance benefits is a summary of applicable terms and conditions that is provided for general informational purposes only. The terms of any insurance products are governed solely by the applicable Member Contract or Policy Form. In the event of any inconsistency between information provided on this Website and the specifics provisions of the Member Contract provided by the carrier, the carrier's Contract shall govern.

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