For any kind of a business, insurance is a must even if you are a freelancer. In fact an adequate insurance is a must for a freelancer as they not have any kind of backup from the companies like the normal full time employees do. A freelance insurance will protect you against any kind of an unforeseen mishap or any legal claim filed against you by your client about your negligence, non delivery of work on time etc.
One of the most important insurance cover for a freelancer is the professional indemnity insurance as it protects you against any kind of claim made by a client if they suffer any loss. You can also get the cover enhanced so that it includes cover against the breach of intellectual property, breach of warranty, personal injury, security etc. If you, as a freelancer, have an appropriate and an adequate insurance, you can lead your life and business without any kind of mental stress as your insurance company is there to take care of all the financial claims made against you.
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