Independent Contractors Insurance

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Ever wondered “what kind of insurance does an independent contractor need?” Bullfrog Insurance is here to help. If you are looking for business insurance for independent contractors, we have experts to help guide you through the process of getting the right coverage fitted to your specialized industry.

Bullfrog Provides the Best Insurance for Independent Contractors 

Why Bullfrog

Without a doubt, Bullfrog Insurance is one of the best commercial insurance providers in the business. We have made ourselves known in the industry due to our efficiency in supplying our customers with adequate coverage in as little time as possible. Furthermore, we ensure our clients that we will make the process painless and comprehensive and are there for whenever you need help. Our assistance in providing commercial insurance is first-rate! For all your coverage needs small business insurance for independent contractors is best managed with Bullfrog Insurance.

What Is It

“What is the best insurance for independent contractors?” “As an independent contractor, what insurance requirements do I have?” As a nonemployee, independent contractor or “freelancer”, you might be confused as to what type of insurance you need. Your typical commercial general liability policy obviously won’t cut it.

Having become increasingly prevalent in our economy nowadays, there is a rise in professionals who now class themselves as independent contractors. Independent contractors are comprised of a variety of different fields, including freelance writers, subcontractors, auctioneers, software designers, actors, and more. Essentially, an independent contractor is contracted to perform work or provide serves to a third-party.

All contractors, independent or not, need to protect themselves from liability claims and other events that could cause some serious repercussions without adequate insurance backing them. Independent contractor insurance protects workers from fees resulting from lawsuits and may also be a prerequisite for many of your clients. A lot of the time, clients will refuse to sign a contract with you without having proof of adequate insurance. Additionally, certain industries mandate that workers must have independent contractor insurance in order to carry out their business.

Who Needs It

Some independent contractors are mandated by law to carry independent contractor insurance. There are many examples of occupations where workers can constitute as independent contractors, such as accountants, architects, authors, consultants, personal trainers, and tattoo artists. Because any industry is exposed to liability claims, most workers benefit from having independent contractor insurance. This is because just like any other small business, freelancers are at risk of being sued and held liable for damages or injuries due to their business practices.

Of course, different industries face different risks. To see what independent contractor insurance coverage is suited to your requirements, our experts at Bullfrog can discuss with you the details of your work and business. We are always willing to answer any questions you may have.

For All Your Independent Contractor Liability Insurance Requirements

What It Covers

What are the benefits of having independent contractor liability insurance? When you purchase independent contractor liability insurance, you are provided protection if either you or your client is sued and faces a lawsuit due to claims of third-party property damage or bodily injury. You gain crucial coverage, including coverage for third-party lawsuits (bodily injury, advertising injury and property damage) as well as defense coverage for lawyers’ fees, settlements and court costs.

As previously mentioned, your client may also require that you carry independent contractor liability insurance. This is especially true for some industries given that your client could be held responsible for any damages that you may cause while doing work for them. Keep in mind that lawsuits can be incredibly costly, and you could be in serious financial disrepair if you must foot the bill for some of the fees associated with these incidents on your own.

What To Know

If you are an independent contractor working from home, you should know that your homeowner’s insurance will not cover you. Your scope of business may require equipment, materials and other items that are necessary to your operations. If something were to happen, you would be left to pay for the damages or repairs yourself. Moreover, if you have clients or subcontractors who come to your home for business reasons, you could face major liability risks. Again, your home’s liability insurance will be invalid when it comes to covering claims if any of your visitors are injured in something as simple as a slip, trip or fall.

When you work as an independent contractor, liability insurance is a necessity to help cover you for claims resulting from dissatisfied or even dishonest clients. While working as a freelancer is definitely tempting due to the prevalence of client/customer relationships accomplished through online communication, there is a lot of room for miscommunication. This can result in a lawsuit if you should make an error due to this. Even if you think your client’s expectations were not realistic to begin with, you are not considered to be any less liable. To protect yourself from such cases, independent contractor liability insurance is a must. You wouldn’t want to be left susceptible to a lawsuit.

It is important to note that having the right independent contractor insurance can create more business opportunities for you. There is a lot of risk associated with entering into a contract with a freelancer and many businesses have mandates which require them to request documentation from you that states proof of proper independent contractor liability insurance. If you are an independent contractor, you can market your insurance coverage to include additional credibility to your business. You may even snag additional contracts through doing this.

Get a Quote

Bullfrog Insurance is here for all your independent contractor insurance needs. If you’re looking for a quote, we can help! Just fill out our online form today and we will get back to you as soon as possible with competitive quotes online. You don’t need to worry when you have Bullfrog Insurance at your side. We look after the insurance so that all you need to worry about is doing business. Get started today!

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Where we offer

Locations where we currently offer independent contractors insurance in Canada:

Why our customers love Bullfrog

Our customers love Bullfrog because we make insurance simple. Do it quickly online yourself or talk to one of our knowledgeable insurance brokers. We’re responsive and professional and our insurance coverage is quality and competitively priced.

G. Lauzon

I love dealing with Bullfrog Insurance. Their account executives are very knowledgeable and think outside the box. Service is super fast too. Thanks Bullfrog!

Sev Michaels

White Lilac INC.

Thank you so much for your assistance, you made the process so painless. I have contacted other brokers before and they made it so complicated. Also, you were far more efficient!

An Important Update About Bullfrog Insurance 

Please be aware that due to a change in our operations, Bullfrog Insurance has made the difficult decision to start winding down our business. This means we are no longer accepting new clients. 

Are you an existing Bullfrog Insurance client? Rest assured that your coverage remains valid, and you’ll continue to be protected up until your policy expiry date. Watch your inbox for more details from our team.