Consultant Insurance: 3 Fields You Should Stay Protected

If you work as an independent consultant or freelancer, you know the perks of being self-employed. You set your own hours, enjoy autonomous decision-making, and even charge the rates you believe are fair. But you face challenges as well. Should legal issues arise, you have no team of corporate lawyers standing by your side. Instead, you're solely responsible for protecting yourself and your business, which is why you need consultant insurance.

 

1. Interior Designers

Interior designers give clients advice, but sometimes that advice goes awry. Let's say, for example, you recommend a 200-pound, eight-foot-high mirror for the interior space of an upscale restaurant. If that mirror falls and injures an employee or patron, you could face serious financial liability on the grounds of professional negligence.

 

Or, if a client browsing your showroom suddenly trips on a wrinkled rug, you may be responsible for any injury-related costs they incur, including a trip to urgent care and the need for physical rehabilitation. Professional and general liability policies can cover these scenarios respectively and keep your business running smoothly.

 

2. Freelance Writers

In today's digital world, it's common for freelance writers to work for clients they've never even seen, much less met. This is usually fine, but occasions do arise when clients receive their completed work without paying. If this happens to you, you might take to social media to vent about the situation and warn others to avoid Client X.

 

The problem is that if Client X sees this post, they can sue you for libel. Such a lawsuit can get very expensive very quickly. You'll need an attorney to defend you, and even if the judge rules in your favor, you still need to pay for your defense. General liability insurance is the right coverage for a situation like this, helping you keep money in your pocket and maintain your business.

 

3. Videographers and Photographers

To succeed in this highly competitive field, professionals need lots of energy and expensive equipment. You must also be willing to travel to a variety of locations, from restaurants to homes. These conditions are exciting but pave the way to unpredictable events.

 

Imagine you're on location and a child trips over a tripod or power cord. The parents scoop up their child and rush them to the emergency room to learn they have a fractured forearm. Not only do the parents expect you to cover the medical bills, but they also demand compensation for the work they'll miss caring for and taking their child to future doctor appointments. Liability insurance can protect you from such a scenario and keep your good name intact.

 

At NOW Insurance, we provide commercial insurance to freelancers, consultants, and even work-at-home professionals - and we do so simply and quickly. Learn more about professional liability coverage by visiting our website. You can also complete our easy online application in less than three minutes. Last but not least, if you have questions about the coverage you need, you can reach us by phone, email, or our convenient online contact form.