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Freelancer Insurance

Business consultant insurance that works when you do.

Get an hourly, daily, or monthly insurance policy in 60 seconds. Get a Quote See covered activities
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On-demand liability insurance
by the hour, day, or month.

Starting at just $5

On-demand Coverage

Coverage only for the hours and days you work—never overpay.

Instant Certificates

Get a Certificate of Insurance in your inbox—and your client’s—in seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Change It Anytime

Easily add crew and Additional Insureds, and adjust your policy in real time.
What's Covered

Thimble offers easy, affordable, and flexible protection for freelancers.

Policies start at just $5/hr
"When I’m working in an area around other people, there’s always the risk that someone could be injured. With Thimble, I can whip out my cell phone and purchase $1 million in coverage instantly." Mike M., Fine Art Photographer

Freelance + Consultant’s Insurance — Simplified.

Why do I need a freelance insurance policy?

Whether you are a photographer, graphic designer, or consultant, you bring a creative approach to problem-solving and help your clients tackle every challenge that comes their way. Shouldn’t you do the same for your business?

A Thimble freelance insurance policy can give you the peace of mind you need to propel your business to new heights.

The General Liability insurance arranged by Thimble is designed to protect freelancers against accidents on the job that result in bodily injury, property damage, personal or advertising injury to a third party. For example:

Bodily Injury
A client is discussing the details of a project in your office. When the client is leaving, he trips over your laptop bag. He falls and injures his wrist.

Property Damage
You are in a client’s home to photograph their baby shower, and you damage an expensive piece of artwork on the wall while trying to find the perfect angle.


How much does freelance insurance cost?

General Liability insurance policies for freelancers and consultants start at $5/hour with $1 million in coverage and $0 deductible.

Add as many Additional Insureds as you’d like for free.

Get a Quote

Our affordable liability insurance policies for freelancers and consultants are possible because they are based on the length of your coverage, whether for an hour, a day, a month, or longer. This flexibility allows you to purchase coverage exactly when and for how long you need it, making it one of the most affordable options on the market for on-demand consultant insurance.


How quickly will I get a Certificate of Insurance?

Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.

You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.


What is covered under the consultant and freelancer’s liability insurance policy?

Consultant insurance from Thimble is customized to meet the needs of freelancers like you. We cover the following professions and freelance work activities:

  • AV Installation
  • Business Consultants
  • Car AV Installation
  • Classroom Instruction
  • Computer Programming
  • Computer Repair
  • Creative Directors
  • Financial Consultants
  • Graphic Designers
  • House Sitting
  • Interior Decorating
  • IT Consultants
  • Marketing Consultants
  • Personal Shoppers
  • Photography & Videography
  • Sound Recordists
  • Speakers
  • Web Developers
  • Writers

Does the policy include cyber liability insurance?

Not yet. Cyber insurance or cyber liability insurance protects businesses from internet-based risks and risks related to information technology infrastructure. This is a separate category of coverage and is not included under the General Liability or Professional Liability policies for freelance workers arranged by Thimble.

 

Have questions? Visit our FAQs

Consultants & Freelancers insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • AV Installation
  • Business Consultants
  • Car AV Installation
  • Classroom Instruction
  • Computer Programming
  • Computer Repair
  • Creative Directors
  • Financial Consultants
  • Graphic Designers
  • House Sitting
  • Interior Decorating
  • IT Consultants
  • Marketing Consultants
  • Personal Shoppers
  • Photography & Videography
  • Sound Recordists
  • Speakers
  • Web Developers
  • Writers

Optional Add-Ons

  • Printing
  • Sign Installation

Excluded Activities

  • Adult Film Operations
  • Alarm System Monitoring
  • Any acts or services performed by an unlicensed or uncertified insured if such licensing or certification is required by law
  • Babysitters and Nannies
  • Bouncers
  • Elderly Care
  • Financial Planners
  • Home Health Care
  • Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
  • Inspectors
  • Investment Advisors
  • Lifeguards
  • Mortgage Bankers or Investment Bankers
  • Registered Representatives or Brokers/Dealers of Securities or Commodities
  • Rideshare Drivers
  • Roadside Assistance
  • Security Guards
  • Traffic Control
  • Training or Instruction Demonstrated on Real Patients

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • These excluded activities
  • See full policy for details