Being a freelancer comes with extreme freedom and flexibility. You can choose where and when to work, and you don’t have to answer to anyone. You get to decide what projects to take and which clients to work with and get paid. However, like any other business, you’re not exempted from risks that other professionals and businesses go through. You can be sued, injured, or even have your working tools vandalized. For this reason, you want to ensure that you have the right insurance coverage like any other professional. Here are the top coverages for freelancers in Kissimmee, FL.
General liability insurance
Every business needs general liability insurance to protect it from common accidents, which can turn out expensive in the long run. General liability protects your clients and employees—like a delivery person, driver, or personal assistant.
Cyber Liability Insurance
Cyber liability is a must-have for most freelancers. Most freelancers operate online, which is risky in data breaches, fraud, identity theft, and other cybercrimes. Cybercrimes can be extremely expensive and can even cost you your job. At Familia Insurance Agency, we recommend buying enough cyber liability insurance to protect you from other destruction like fire and vandalism that could affect your productivity.
Professional liability
When general liability protects you from property damage and injuries, professional liability protects your business from lawsuits that your clients may file concerning your services. You can be sued for late service delivery, poorly done work, or negligence.
Business interruption
Freelancing comes with many interruptions, from poor internet connectivity to computer breakdown, which can prevent you from working efficiently. Business interruption insurance helps get you back to work as soon as possible.
Give your client the best without worrying about what could happen next with our help. At Familia Insurance Agency, we care about what matters to you, and that’s why we ensure you get a policy tailored to your field. Contact us today!
