Freelancer Insurance that works when you do.

Get an insurance policy by the hour, day, or month in 60 seconds.


General Liability
Equipment Coverage
$1,000,000 Limit
Pause Policy
4.7/5 stars from 467 reviews on Trustpilot
Best insurance for the Smallest Businesses

Freelancer and consultant insurance, simplified.

Why do I need a freelancer 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 Freelancer Insurance policy can give you the peace of mind you need to propel your business to new heights.

What is covered under Freelancer Insurance?

Thimble’s Freelancer Insurance—both general liability and professional liability—is positioned to protect freelancers from:

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.

How much does freelancer insurance cost?

The cost of your Freelancer Insurance Policy depends on a few factors.

Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your freelance consulting business.

With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible Freelancer Insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.

To get an accurate idea of how much Freelancer Insurance would cost you and your business, get a quote from Thimble.

How quickly will I get a Certificate of Insurance?


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.


Who is covered under freelancer insurance?

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

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.

Still have questions?

We make Business insurance simple.

Smarter Coverage

Buy Thimble On Demand by the, hour, day, or week, or get Thimble Monthly to keep the clock running.

Stupid Fast

Get an Acord 25 Certificate of Insurance in your inbox (and your client's) in less than 60 seconds.

Total Control

Add crew and Additional Insureds instantly. Cancel or modify your policy, anytime, for free.

Smarter coverage. Stupid fast. Total control.

Get insured in 60 seconds.