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

You can get up to $4 million in general liability coverage and $5 million in 澳洲幸运5官方开奖结果体彩网:professional liability coverage, the highest limits among the insurers I🍨nvestopedia 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 protections include coverage for costs arising from accidental damage to someone’s property, lawsuits related to reputation harm (like slander or li♓bel), 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 its size. Numerouꦛs complaints can indicate issues with claim processing or customer service. Also, the company does not offer live customer service chat.

Th👍e 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官方开奖结果体彩网:financial strength suggests Trav🌊el෴ers 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官方开奖结果体彩网:commercial auto for business vehicles. You can easily obtain a certificate of insurance online from Travelers. This feature simplifies demonstrating proof of insurance to clients or lan💝dlords, which is often required for contract work. 

However, Travelers doesn’t offer online quotes. You must contac🧸t an agent to get pricing information.

Trave🌼lers w⭕as founded in 1864 and is based in Hartford, Connecticut.

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

Thimble 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 certificate🥂s of insurance.

Thimble’s consultant and freelancer policy includes general and pr💦ofessional liability insurance. General liability covers bodily injury, property damage, advertising injury, and related legal and medical costs. Professional liability protects against client claims of errors, omissions, or inadequate services, and covers ass🍌ociated costs. 

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

Thimble operates as an 澳洲幸运5官方开奖结果体彩网:insurance broker, meaning it doesn’t underwrite policies or handle claim❀s directly. Instead, Markel Insurance Company or National Specialty Insurance Company issue these liability policies. 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官方开奖结果体彩网:subcontractors have to look e⛦lsewhere for protection against claims of discrimi👍nation, harassment, or wrongful termination.

Thimble was founded in 2018. Jersey City-based🐭 Arch Insurance acquired Thimble in 2023.

Huckleberry offers several advantages for independent contractors 澳洲幸运5官方开奖结果体彩网:working in trades such as home repair, carpentry, and plumbing. It offers robust coverage and convenient 🤪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 liab🧸ility coverage, among the highest limits Investopedia found for traꦡdespeople. 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 digital insurance certificates. These offerings allow for quic♔k proof of coverage, which clients often require for jobs. You can also access customer service support through a live online chat.

However, Huckleberr✱y has some limitations. If you need surety bonds to obtain licenses 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 AmT✨rust, Markel, Employers Holdings, and Chubb, so your customer experience may vary depending on which insurer issues your policy. 

Huckleberry is ownedꦆ by Paychex, which was founded in 1971 and is based in Rochester, New 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, al🅺lowing independent contractors to get all their insurance from a single company.

A 澳洲幸运5官方开奖结果体彩网: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,ꦡ as even solo independent contractors may handle sensitive data.

Nationwide allows for online quotes and claims, but does not offer dඣigital certificates of insurance.

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