Insurance for 1099 Contractors
Protect your independent contractor business from professional liability, client disputes, and data breaches. Get comprehensive coverage designed for freelancers and consultants.
Why 1099 Contractors Need Their Own Insurance
As an independent contractor, you're not covered by your client's insurance. You need your own protection.
Client Insurance Doesn't Cover You
Your client's insurance protects their business, not your professional services or mistakes.
Client Requirements
Most clients require contractors to carry their own E&O and General Liability insurance.
Personal Asset Protection
Without insurance, lawsuits can target your personal assets, home, and savings.
Professional Credibility
Insurance demonstrates professionalism and helps you win higher-paying contracts.
Legal Defense Costs
Even baseless claims can cost $50,000+ in legal defense fees to resolve.
Business Continuity
Insurance helps you continue working while defending against claims.
Essential Coverage for 1099 Contractors
These coverages are essential for protecting your independent contractor business.
Errors & Omissions (E&O)
Professional liability for mistakes, service failures, and professional negligence.
- • Missed deadlines or deliverables
- • Service quality disputes
- • Professional advice errors
- • Contract disputes
- • Client relationship issues
General Liability
Protection against bodily injury, property damage, and personal injury claims.
- • Client injuries at your office
- • Property damage during work
- • Slip and fall accidents
- • Equipment damage
- • Third-party injuries
Cyber Liability
Essential for contractors handling client data and digital work.
- • Data breach response
- • Client data protection
- • Ransomware attacks
- • Business interruption
- • Regulatory fines
Business Equipment
Protection for your work equipment and tools.
- • Computer and software
- • Professional equipment
- • Office furniture
- • Tools and supplies
- • Data and files
Real Claims Scenarios
These are actual claims that 1099 contractors face. Without proper insurance, these could be devastating.
Missed Project Deadline
A web developer missed a critical project deadline, causing a client to lose $25,000 in revenue. The client sued for breach of contract and lost profits.
Data Breach at Home Office
A consultant's home computer was hacked, exposing client data. Multiple clients sued for data breach damages totaling $50,000.
Client Injury at Meeting
A client slipped and fell during a meeting at the contractor's home office, suffering injuries requiring $15,000 in medical treatment.
Coverage Recommendations
Recommended coverage limits based on your contract value and client base.
Small Contracts
Medium Contracts
Large Contracts
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