Liability Insurance Estimator
Answer 10 quick questions about your discipline, revenue, clients, and risk profile. Get personalized coverage recommendations, premium estimates, and broker referrals.
What is your primary discipline?
Step 1 of 5
Estimates are for informational purposes. Actual premiums vary by carrier, location, and underwriting.
About the Liability Insurance Estimator
Estimate your liability insurance needs by discipline, revenue, and client type. Get coverage recommendations, premium estimates, and broker referrals.
What you can do with it
- 14 disciplines covered
- 8+ coverage types analyzed
- Premium ranges with monthly estimates
- Broker referrals with quotes
Frequently asked questions
Do I need liability insurance as a freelancer?
You need it if any client asks (many B2B and enterprise contracts require $1M–$2M professional liability as a condition of engagement) — and you need it even if they don't, because one 'the site went down for a week' or 'the campaign used an unlicensed image' claim can exceed a year of income. Professional liability (E&O) covers the mistakes; general liability covers the physical; cyber covers the data breach.
How much does freelancer liability insurance cost?
Professional liability for a solo freelancer typically runs $500–$2,000/year for $1M in coverage, depending on discipline, revenue, and claims history. Developers and agencies pay more than writers; higher revenue bands cost more. General liability is cheaper (~$300–$800/year). This estimator gives you a range for your profile before you talk to a broker.
What does professional liability actually cover?
Errors and omissions in your work: a bug that costs the client money, a campaign that runs with a compliance issue, missed deliverables with financial consequences, IP infringement claims tied to your work (defending the claim, in most policies). It doesn't cover intentional misconduct, contract penalties you explicitly agreed to pay, or your own equipment — those are different policies. The estimator walks through which coverages map to your risk profile.
Related guides
Liability Insurance Estimator: Common Questions
Do I need liability insurance as a freelancer?
You need it if any client asks (many B2B and enterprise contracts require $1M–$2M professional liability as a condition of engagement) — and you need it even if they don't, because one 'the site went down for a week' or 'the campaign used an unlicensed image' claim can exceed a year of income. Professional liability (E&O) covers the mistakes; general liability covers the physical; cyber covers the data breach.
How much does freelancer liability insurance cost?
Professional liability for a solo freelancer typically runs $500–$2,000/year for $1M in coverage, depending on discipline, revenue, and claims history. Developers and agencies pay more than writers; higher revenue bands cost more. General liability is cheaper (~$300–$800/year). This estimator gives you a range for your profile before you talk to a broker.
What does professional liability actually cover?
Errors and omissions in your work: a bug that costs the client money, a campaign that runs with a compliance issue, missed deliverables with financial consequences, IP infringement claims tied to your work (defending the claim, in most policies). It doesn't cover intentional misconduct, contract penalties you explicitly agreed to pay, or your own equipment — those are different policies. The estimator walks through which coverages map to your risk profile.
Explore the rest of the toolkit in the free tools directory, or read practical guides in the blog.