What is independent contractor liability insurance?

Independent contractor liability insurance is a type of general liability insurance for those who work as freelancers, gig workers, carpenters, painters, plumbers and other types of professions. General liability insurance is a type of small business insurance that pays for claims of accidental injuries and property damage to others.

How do independent contractors get general liability insurance?

There are a few ways for an independent contractor to get general liability coverage: You can get your own general liability policy. You can purchase commercial general liability insurance from a business insurance provider or agency. To show a client that you are covered, request a general liability certificate of insurance.

How much does insurance cost for independent contractors?

Next offers a same-day application process, plus low premiums and discounts, making liability coverage accessible to the most cash-strapped independent contractors. Professional liability insurance starts at about $20 per month, and some low-risk independent contractors can get general liability for as low as $12 per month.