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re: Freelancers: are you using liability insurance? Which one? VIEW POST

FULL DISCUSSION
 

Yep. I originally got it because a client required it, but I've since kept it as a sort of safety net.

In the US, the business insurance types are pretty standard, I've found. You've got the basic general liability that every business would get, then knowledge workers and other "professionals" (lawyers, accountants, etc) also get professional liability (which is often bundled with general liability, so you don't have to buy them separately) which covers things that are common to that kind of work. There can also be a few other options and addons, like worker's compensation for companies with employees; and cyberterrorism insurance, which I think is useful for software developers in particular (one can really never know when we or a client we work for will get hit by a cyberterrorism attack or be used as a vector).

 

I totally agree with you on the cyberterrorism issue — as we speak, my friend's student project (that holds no value, except for the sentimental one!) was just hacked.
Thank you for your comment — it's really helpful.

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