Unlike employees, freelancers assume sole responsibility for their work… and for their possible mistakes! This is where professional insurance for freelancers comes in particularly handy. It covers you in different situations (often not very pleasant, let’s face it), while being a way to reassure your customers.

Through this article, Codeur.com invites you to see more clearly about the protections offered by professional insurance for freelancers, the situations that can make it essential, as well as the criteria to consider before subscribing to a contract.

Good reading !

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What is professional insurance for freelancers?

I’professional liability insurance acts as a lifeline in case of unforeseen events, errors, incidents or accidents. Whether you are a computer consultant, doctor, web editor or builder, such coverage is essential.

It covers damages and financial losses related to:

  • At your equipment or that of a customer
  • To one severe loss of data
  • At dysfunction of one of your products or services
  • Has a physical accident

Conversely, professional insurance for freelancers does not cover:

  • Breaches, reductions or cancellations of contract
  • The consequences of misleading advertising or unfair competition
  • Voluntary and foreseeable delays in the delivery of a service

There are specific online insurance offers for freelancers, such as Assurup

Assurup is a online insurance expert in the protection of freelancers. Codeur.com chose him as partner because of its attractive offer particularly suited to independent web professionals.

Get in a few clicks a personalized quote for your contract Professional Liability and subscribe in 3 minutes to download your insurance certificate.

Is freelance professional insurance compulsory?

The answer is simple: no. It’s not not mandatory to take out professional liability insurance, but that’s very highly recommended.

You know the famous adage “it doesn’t just happen to others”? It is valid for your freelance activity. Even if you think you are carrying out a risk-free activity, zero risk never exists. We will also see examples where such protection proves to be life-saving in the next part of this article.

There are several compulsory insurances when you have a business, such as those concerning your property (for your car, your premises or your equipment). Some liberal professions absolutely must take out professional liability insurance.

This is the case for professions in the medical world, for example. For these specific activities, there are specialized protection bodies, which know the risks of medical functions. Generally, these insurers also offer legal assistance.

Good to know

If you work from home, pay attention to the conditions of your home insurance. It may not cover your freelance activity. If your house or apartment suffers damage due to a professional mission, the insurer may refuse to compensate you. Remember to inquire. Some home insurance offers an additional option to cover your home office.

When is professional indemnity insurance useful?

It is impossible to list all the scenarios where professional insurance for freelancers can save you the day! However, here are some concrete examples where this protection is welcome:

As part of a consulting mission

An independent consultant, regardless of the field, is called upon to give advice and a roadmap to his client.

If the latter applies the consultant’s strategy and it does not work as expected, he can turn against the freelancer claiming that his part of the contract has not been fulfilled or even worse, that he has harmed his activity. .

As part of a mission “on the ground”

A freelancer in the world of construction may be required to employ labor to help him on a construction site. Let’s imagine that one of the employees is injured… It is the professional insurance that will cover the medical costs and any ITT.

Similarly, if, during the construction site, the freelancer or one of his service providers commits damage, it is this protection that will allow the client to be compensated.

In the event of an accident caused by the freelancer

Are you a freelance photographer or videographer? During an event, a guest trips over the cables of your electronic devices and hurts himself. You will be responsible, but it will be up to your professional insurance to cover medical expenses.

We can also take the example of a client who is injured during a training session given by a sports coach or a yoga teacher. Once again, it is your protection that will take care of the compensation, medical and/or legal costs.

In the event of an unintentional error by the freelancer

No one is perfect and we all make mistakes. Even experienced freelancers! It’s human.

We can cite the example of a webmaster having forgotten to correct all the website security vulnerabilities before delivering it to the customer. If the latter suffers a cyberattack, he can hold the freelancer responsible.

In the event of an unintentional error by the freelancer

Why take out freelance professional insurance?

Apart from the protection that professional coverage insures you in the event of a dispute, damage or injurysubscribing to such a contract is useful for:

Reassure customers

Some companies now require you to have professional insurance in due form before signing with you. It’s a way to protect yourself in case you make a mistake or harm.

Get legal advice

Some insurers offer legal assistance or protection. You can thus have your service contracts proofread or approved by legal specialists before signing.

Facilitate your loans

If you need to invest in equipment or premises for your business, your bank may ask you for a proof of professional insurance.

Avoid bad debts

Thanks to the legal protection included in certain contracts, you benefit from valuable advice and resources for collect your payments.

Prevent cyber risks

Regardless of your activity, you necessarily work with IT tools, which exposes you to malicious attacks. You may lose data or have to hire a professional to recover all your resources. Professional coverage can protect you from damages related to such attacks.

Prevent cyber risks

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How to choose your professional insurance as a freelancer?

Do you want to take out pro insurance for freelancers, but you don’t know how to choose? It is true that the offer is quite large and that each organization has several levels of guarantee.

To help you choose the one that will be adapted to your activity and your needs, here are 5 criteria to take into account:

1. Your specific risks

One of the first things to do is to look at the specific risks inherent to your activity. Will you have to cover material, human, cyber, administrative, legal risks…?

Of course, this will depend on your job and enrights where you exercise it. If you essentially stay at home and do not hire service providers / employees, you will have less risk to cover than a freelancer who often goes to the client and uses large equipment.

2. The volume and type of customers

Something else to consider: the profile and number of your customers. The more clients you have, the more risk you take.

Also, if you work with large corporations, construction companies, or organizations that operate in sensitive areas (such as medical or security), you will need enhanced protection.

Indeed, this type of clientele often has strict contractual obligations. Not to mention that they can make expensive equipment and resources available to you. In the event of a problem or complaint, the cost can be high for your small structure. Better to be well protected.

3. The level of coverage

Following the precise analysis of your needs, make sure that the chosen freelance professional insurance offers different levels of coverage. The objective is to find the formula with the best protection/price ratio.

No need to subscribe to an offer containing high material guarantees if you only work with your PC, in your living room. And vice versa! Prefer to boost the protection if you regularly travel to construction sites.

4. Exclusions

As with any contract, you have to read the small lines… What are the exclusion criteria ? It would be a shame to discover that your missions and that risks specific to your activity are not covered by your professional insurance…

So remember to find out about the conditions to be met in order to receive compensation, as well as the situations where you will not be reimbursed.

5. The experience of the insurer

Another element to take into account when choosing your professional indemnity insurance is the experience of the insurer. Ask yourself these questions:

  • How long has it been on the market?
  • Does it cover other freelancers or businesses in your industry?
  • What is its reputation for compensation?
  • Is it specialized in particular professions, and in particular in your profession?

The more experienced and specialized the insurer, the more he will be able to assist you in choosing a formula adapted to your needs.

insurer's experience

How much does freelance professional insurance cost?

The price of your professional coverage will obviously depend on the level of protection desired, but also on the risks related to your activity. Some insurers also take into account the size of the company and the turnover declared in the calculation of your premium.

When you carry out a very low-risk activity, with little travel and customers with a non-sensitive profile, count around €20 per month. But if you need extra protection, the formulas can go up to 50€/month.

feel free to make quotes online and to use comparators to choose the formula with the best quality/price ratio.

To know

You can subscribe to a RC Pro professional insurance from €15.44/month with Assurup. It is today one of best offers on the market ! Codeur.com has therefore selected this partner to offer its freelancers quality insurance at a lower cost. 👉 Find out more 👈


As you can see, the rates for professional insurance for freelancers are quite advantageous. The benefit to price ratio is largely in your favour. It would therefore be a shame to miss out on good protection for economic reasons!

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