The Hartford provides several protections for independent contractors, including general and professional liability inꦰsurance, cyber liability insurance, and business interruption insurance. The Hartford’s coverage for home-based businesses may appeal to freelancers with hꦆome offices.

You can get up to $4 million in general liability coverage and $5 million in 澳洲幸运5开奖号码历史查询:professional liability coverage, the highest limits among the insu🅷rers Investopedia reviewed. These coverage limits are a significant advantage for independent contractors, as they provide strong financial protection against expensive lawsuits from work-related accidents or professional negligence claims.

The Hartford’s general liability coverage includes protections that may be especially important for 1099 contractors. These pro෴tections include coverage for costs arising from accidental damage to someone’s property, lawsuits related to reputation harm (like slander or libel), and malicious prosecution. They also shield against legal costs from advertising injury, such as unintentional copyright infringement.

However, The Hartford has more customer complaints for its liability coverage than expected for a company of iꦐts size. Numerous complaints can indicate issues with claim proces🦄sing or customer service. Also, the company does not offer live customer service chat.

The Hartford was founded in 1810 and is♈ based in Hartford, Connecticut.

Travelers stands out for its strong customer complaint record and financial stability. For independent contractors, this 澳洲幸运5开奖号码历史查询:financial strength suggests Travelers is likely to pay out claims, even very large🐎 ones. 

Independent contractors can choose from a wide selection of coverage types. Options include general liability for client injuries, professional liability for service-related errors, or 澳洲幸运5开奖号码历史查询:commercial auto for business vehicles. You can easily obtain a certificate of insurance online from Trav🍎elers. This featurꦜe simplifies demonstrating proof of insurance to clients or landlords, which is often required for contract work. 

However, T꧃ravelers doesn’t offer online quotes. You must co💟ntact an agent to get pricing information.

Tra💟velers was founded in 1864 and is based in Hartford, Conn♑ecticut.

Thimble ൲offers the advantage of short-term liability insurance for independent contractors. You can purchase coverage⛎ by the job, month, or year, making Thimble ideal for people with project-based work who need insurance only when actively working. 

Tﷺhimble is one of only two companies in our review that offer short-term coverage. The company also streamlines the🅺 insurance process with fast online quotes, claims, and certificates of insurance.

Thimble’s consultant and freelancer policy includes general and professional liability insurance. General liability covers bodily injury, property damage, advertising injury, and related legal and medical ♏costs. Professionalꦉ liability protects against client claims of errors, omissions, or inadequate services, and covers associated costs. 

Thimble has received a🐓 higher-than-expected number of complaints about its liability business. Additionally, its liability coverage limits for independent contractors are only $1 million, far lower than those of competito🃏rs like The Hartford. 

Thimble operates as an 澳洲幸运5开奖号码历史查询:insurance broker, meaning it doesn’t underwrite policies or handle claims directly. Instead, Markel Insurance Company or National Specialty Insurance Company issue these liability pol⭕icies. As a result, your experience filing a claim may differ from your initial purchase experience.

Also, Thimble doesn’t offer employment practices liability insurance. Independent contractors who hire employees or 澳洲幸运5开奖号码历史查询:subcontractors have to look elsewhere for protection against claims of di♓scrimination, harassment, or wrongful termination.

Thimble was founded in 2018. Jersey City-b🥀ased Arch Insurance acquired Thim🅘ble in 2023.

Huckleberry offers several advantages for independent contractors 澳洲幸运5开奖号码历史查询:working in trades such as home repair, carpentry, and plumbing. It offers robust coverage and conveni༒ent digital tools. Additionally, its commercial liability business has a low rate of customer complaints for an insurer of its 🧜size.

The company provides up to $4 million in general liability coverage and $2 million in professional liability coverage, among the highest limits Investopedia f🍎ound for tradespeople. High coverage limits are crucial if you perform home repairs because they protect against expensive lawsuits from accidents causing bodily injury or property damage, or claims of negligence, 💧mistakes, or misrepresentations in their work.

Huckleberry also streamlines the insurance process for by offering easy online quotes and digita꧙l insuranc𓄧e certificates. These offerings allow for quick proof of coverage, which clients often require for jobs. You can also access customer service support through a live online chat.

However, Huckleberry has some limitations. If you need su🤡rety bonds to obtain lice𝓰nses or permits, you must find another provider, as Huckleberry doesn’t offer them. You also can’t file claims online.

Huckleberry is a broker that partners with insurance companies, including AmTrust, Markel, Employers Holdings, and Chubb, so your customer experience may vary dep𓄧ending on which insurer issues your policy. 

Huckleberry is owned by Paychex, which was founded in 1971 and is based in Rochester, ℱNew York.

Nationwide is a strong choice for independent contractors, particularly those who 🎃operate a home-based business. Nationwide offers a wide range of 🉐coverage types, allowing independent contractors to get all their insurance from a single company.

A 澳洲幸运5开奖号码历史查询:business owner's policy (BOP) from Nationwide can include up to $1 million of cyber liability and employment practices liability coverage. Cyber liability is important for protecting 🍌against data breaches, as even solo independent contractors may handle se💮nsitive data.

꧅ Nationwide allows for online quotes and claims, but does not offer digi🦄tal certificates of insurance.

Nationwide was founded in 1926 and is based ﷽in Columbus, Ohio.