Business Types & Segments

Freelancer Insurance in Ontario

A business of one still carries business risk.

Freelancing means the contract's liability is yours alone — client indemnity clauses, E&O requirements in MSAs, and no employer's policy standing behind the work.

We insure freelancers across fields with light, affordable packages that satisfy client contracts and actually cover the work.

What the package includes

Professional liability (E&O) for claims arising from your advice or service
Commercial general liability (CGL) for third-party injury and property damage
Cyber and privacy breach coverage for client data and payments
Certificates matched to client contract requirements

Good to know

Frequently asked questions

A client's contract requires insurance I don't have — how fast can this happen?: Freelancer packages routinely bind within a day or two, certificate included. Send us the contract's insurance clause and we'll match it exactly — it's the most common way freelancers first call us.
How much does freelancer insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get freelancer insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

More industries

Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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Frequently asked questions

A client's contract requires insurance I don't have — how fast can this happen?

Freelancer packages routinely bind within a day or two, certificate included. Send us the contract's insurance clause and we'll match it exactly — it's the most common way freelancers first call us.

How much does freelancer insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get freelancer insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.