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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’re 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.


How much does freelance insurance cost?

Business 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.

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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?

Both General Liability and Professional Liability coverage are included in the consultant and freelancer’s policy. 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. General Liability Insurance also covers legal fees and medical coverage associated with the claim. Professional Liability Insurance protects freelancers and consultants against claims of errors and omissions – or claims relating to inadequate performance of professional services. If a client claims that you’ve done your job improperly, your professional indemnity insurance policy can be used to cover any associated costs.

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.

3rd Party 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.

Defense Costs
A client claims that a spill on his coffee table was left by you after a recent house sitting gig. It ruined the finish, and he takes you to court to recoup the value of the table. A General Liability policy helps cover the costs of defending yourself against this claim.

Medical Coverage
Your client trips over a plant in your office when meeting with you for an interior design consultation. She sprains her wrist and holds you accountable. Your General Liability policy can help you cover the costs of her medical treatment.

Errors and Omissions
You are a marketing consultant, and advise a client on the development of an advertising campaign to promote their new product. The campaign misrepresents the key features of the product, leading to customer confusion and financial loss for the company.


Who 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.


Are there other types of insurance I should get?

As an independent contractor, General Liability and Professional Liability will cover you for a range of risks that you face in your interactions with clients or customers. Many companies may ask to be added as an Additional Insured to your policy so that they are covered for any damage you may cause within the scope of work you provide to them.

Depending on the structure of your business, you may opt for a number of other types of insurance: for example, worker’s compensation, auto insurance, or cyber liability insurance. Consider the specific needs of your business when selecting additional coverage to protect your day-to-day operations.

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
  • See full policy for details