3 Reasons Why Freelancers Need Insurance

​Freelancing jobs give you the flexibility to work wherever you are. You can work from the comfort of your home or even on the go. You need some form of business insurance to cover your business in case of the inevitable.

You Need To Protect Your Place Of Business
What if a fire hit your home or where you conduct business, how soon can you recover? If you work from your home, your existing home insurance won’t be able to cover your activities and properties. And in the event you make a mistake with your work and a client claimed that your business had caused their business losses, are you able to afford a lawsuit? Freelance insurance will protect your business and will project trust and professionalism.  

Business Insurance Enhances Client’s Trust
Freelancers often work with clients who hardly know them, and thus, it pays if you have freelance or business insurance to earn their trust. Different types of freelance insurance will match your needs. You need this kind of insurance before you even start to accept orders from clients. 

Whether you're a web designer, software developer, or consultant, you may be faced with different liabilities regarding your work. Problems like data theft, copyright infringement, and security issues are just the most common. Having your own insurance will give you the most coverage instead of counting on your client's business insurance. 

Clients May Request For Certificate Of Liability 
Some clients gauge freelancers according to different factors. There are clients that request for proof of your insurance coverage in the form of a certificate of liability. Not having the correct coverage or enough coverage may block you from acquiring competitive work. It's essential to find the right business or freelancer insurance to open up more lucrative business opportunities. 

You must find the right kind of insurance based on your area of expertise to protect your business. For web designers, a special type of insurance called cyber liability insurance can protect them from the cost of data loss or theft and security breaches. For software developers, a particular type of coverage known as technology errors and omissions insurance will cover the risks of their work.

At Kapasu Insurance Services Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (760) 995-3853. Get your free quote today by CLICKING HERE.