Call Us 208-523-7100 FIC Customer Login ☰ ˟
Logo
FIC Customer Login Call Us 208-523-7100
  • Home Page
    • Home Page
    • FIC Customer Login
    • Our Providers
    • Contact UsImage of right arrow
      • The Falls Insurance Center, Inc.
  • About Us
    • About
    • Our Staff
    • Our Location
    • Testimonials
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • SR 22 Insurance
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
      • Flood Insurance
      • High Value Home
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Jewelry Insurance
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Exchange Enrollment
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Medicare Supplement Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Prescription Insurance
      • HSAs
    • Medicare
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Financial ServicesImage of right arrow
      • Annuities
      • 401K
      • Retirement Plans
      • Mutual Funds
      • Traditional & Roth IRAs
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
      • Wedding Insurance and Special Event Insurance
    • BondsImage of right arrow
      • Fidelity Bonds
      • Surety Bonds
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Condo Association Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Convenience Store and Gas Station Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Funeral Home Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • HVAC Contractors Insurance
      • Landscaping Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Media & Advertising Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • Rideshare Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Loss Control Insurance
      • Inland Marine Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Risk Management
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
    • Quote Forms
    • Auto Insurance Quote
    • Business Insurance Quote
    • Farm Quote Request
    • Financial Services Insurance Quote
    • Health Insurance Quote
    • Home Insurance Quote
    • Motorcycle Insurance Quote
    • Life Insurance Quote
    • Recreational Vehicle Insurance Quote
    • Watercraft Insurance Quote
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Blog
    • Exchange Enrollment
    • Privacy Statement
  • Contact Us
    • Directions
    • Contact Us
Home > Blog > Do Freelancers Need Business Insurance?
THURSDAY, DECEMBER 30, 2021

Do Freelancers Need Business Insurance?

A lot of freelancers—such as writers, graphic designers and coders—work from home, coffee shops or their clients' offices. They don't often have very much overhead, while others like musicians, photographers and event planners have equipment that costs thousands of dollars. Whether your freelance business has just a computer and printer or a room full of equipment, all freelancers should have a business insurance policy. Some clients will request to see proof of a policy for peace of mind, knowing that if someone gets hurt while dancing on your portable dance floor at their wedding, your insurance policy will cover the expenses. 
businessman on laptop smiling at camera
Among the types of business insurance that are available for freelancers are: 

Income Protection Insurance: Freelancing is great because you're the boss and set your own hours. However, there's nobody to fall back on when you're laid up in bed with a serious illness or injury. Income protection will usually give you 50 to 80 percent of your income until you're back to work. If you don't have an emergency fund to fall back on, consider this policy a must-buy.  

General Liability Insurance: Any business owner, including freelancers, should have a general liability policy. This will protect your finances if you're found liable for causing injury to a person or property. You never know when an accident will happen, and it may be out of your control. But this coverage helps keep you from having to spend your life savings on lawyers if the worst happens.  

Home Office and Equipment Insurance: Even if your only work tools are your laptop, buying a new one will set you back several days' worth of work, at least. Not to mention the opportunities you're missing out on while buying a new one. Insurance that covers your home office and equipment helps cover items if they're damaged or stolen. Don't rely on your renters or homeowners insurance to cover this; it isn't likely to cover items used for your freelance business. 

Tax Investigation: Tax laws are complicated and while you do your best to make sure you're reporting your income and expenses correctly, you never know when the IRS will do an investigation or find a mistake that you made. Even if you hire a tax preparer and have a low possibility of making an error, insurance helps ensure that you have the financial resources to cover your legal fees and time away from work.  

Your independent insurance agent can help you understand which types of business insurance are right for your specific situation.  

Get the coverage you need. Call us today for more information on business insurance. 

Posted 2:03 PM

Tags: business insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • business insurance(6)
  • home insurance(4)
  • auto insurance(4)
  • coverage(2)
  • insurance(2)
  • car(1)
  • summer tips(1)
  • life insurance(1)
  • homeowners(1)
  • health insurance(1)
  • auto(1)
  • policy(1)
  • pet insurance(1)
  • tips for stress(1)
  • homeowners insurance(1)
  • accident(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
prowriters
Carrier
Carrier
Carrier
Carrier

We are required to make visible to you the below quotation as directed by Medicare to all agents working with Medicare Advantage and Special Needs plans

Disclaimer – We do not offer every plan available in your area.  Any information we provide is limited to those plans we do offer in your area.  Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.  Please be advised that our agents can walk you through a thorough process of reviewing your options and advising you on coverage that will meet your needs without our divulging your information or exposing you to unwanted future solicitation.  Please be careful in your research there are many scams online or over the phone that may affect you.



Home| Get A Quote| Privacy Statement | Our Providers| Blog| About Us| Contact
885 S. Holmes Ave. | Idaho Falls, ID 83401
P: 208-523-7100 | F: 208-529-0168
Social Social Social
Logo

Powered by Insurance Website Builder