October 25, 2018

What insurance do I need as a freelancer?

Written by Edward Woodcock

Dinghy Co-Founder

As a freelancer, you can make mistakes that cost your client’s money. You can insure this risk with professional indemnity insurance.

If you meet with clients, work in a shared work space, or interact with anyone else while working, (waitresses, taxi drivers etc.), then you’ll need public Liability insurance. It covers you if you do something that accidentally harms them or damages their stuff. For instance, if you’re sat in a café and you plug your laptop in and someone trips over your cable and gets hurt.

For freelancers and the self-employed, who regularly travel with portable laptops and emails on their phones holding data about their customers, and even customers customers then they should consider cyber liability insurance.

Combined with your phone, camera, tablets and other business equipment you are a mobile office. What would happen if it was all stolen? That’s why it’s wise to consider worldwide insurance for all your equipment.

Every customer has different needs. Our most popular limit for freelancers is £1,000,000 professional indemnity, £1,000,000 public liability and £2,000 of business equipment.

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About Edward Woodcock

Edward has been a technologist for over a decade, with the bulk of his experience in building software for the insurance and e-commerce markets. Having been a freelancer for over three years, Ed has directly gone through the biggest pains that most freelancers experience and knows first-hand what concerns them. This established in him a passion to solve these freelancer worries and improve their lives, so in 2017 he co-founded getdinghy.com, a B-Corp (pending) insurance provider that specialises in freelancer insurance.

Read more blog posts by Edward Woodcock


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