What Freelancers Should Ask Their Insurance Agents

Here are some of the questions that freelancers should ask their insurance provider.

If you are a freelancer, it’s important that you have the right business insurance to meet your needs. Not sure where you should begin when trying to find the right insurance coverage? Speaking to an insurance agent is a great place to start. Here are some of the questions you should ask your agent.

  • Will my homeowners insurance cover me as I freelance?

Unfortunately, most homeowners or renters insurance policies do not cover business assets or risks. However, every policy is different, so you should speak to your insurer to learn about your policy’s exclusions.

  • Do I need workers compensation insurance?

Your state might require you to carry some form of workers compensation insurance even if you are just working as a single freelancer. An experienced insurance agent will know your state’s workers compensation requirements.

  • Does my personal auto policy cover business-related driving?

Personal auto policies do not typically cover work errands or visits to clients. You should carefully go through your policy with your agent to verify your specific coverage limits and exclusions.

  • Will my freelancer insurance cover the people I work with?

If you have self-employed insurance, it will cover you and any employees that work for your business. However, your coverage will not extend to other parties unless they are specifically listed on your policy.

  • Can a client ask to be added as an additional insured?

When you work as a freelancer, it is actually quite common for clients to request to be added as an additional insured. Oftentimes, they will make this request before signing a contract with you. This is because they want to ensure that they will be covered for the risks associated with your work.

These are some of the questions that freelancers should ask their insurance agents to ensure that they have the right business insurance to meet their needs.  Interested in getting the right coverage for your business?  Then don’t hesitate to contact the experts at Stromsoe Insurance Agency in Murrieta, California.  Our dedicated team is ready to assist you with all your coverage needs today.

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