Self-Employed Insurance in Georgia

Self-employment might be freeing and full of opportunity, but it also complicates your ability to protect yourself from things others don’t have to worry about as much.

You’re your own employer. So, you don’t get job-based medical insurance. You’re also responsible for any liability claims made against you, income lost for a variety of reasons, lawsuits, and more.

This applies whether you’re a contractor, freelancer, or even a small business owner.

Self-employment insurance in Georgia protects you, our Georgian small businesses, from the hefty consequences unpredictable circumstances.

Why Do Self-Employed People Need Insurance?

• Client lawsuits or liability claims: You can be sued for a wide variety of reasons, or you might be held liable for damages or injuries that occur attached to your service.
• Equipment or property damage: If a vital piece of equipment is damaged or similar event occurs, insurance can help you recover.
• Medical insurance for illness and injury: Medical insurance is crucial to help you get the healthcare you need in emergencies.
• Lost income from disruptions: If an unexpected disruption occurs and costs you income, insurance can help make up for it.

Even if you work from home or you’re a freelancer, these risks are still present, and insurance is crucial.

Types of Self-Employed Insurance Coverage Available

Self-employment insurance can cover a wide variety of coverage needs.

• Liability insurance: This protects you if a client is injured or you need legal defense against lawsuits.
• Property coverage: This protects your business-related property such as laptops, workspace, tools, and other things that are crucial for your business.
• Health insurance: Just like any other health insurance, this ensures you can get medical treatment when needed.
• Income protection: Many self-employed individuals don’t get the normal types of income protection. This ensures that if you become disabled or suffer a disruption, you can still have income.
• Freelancer specific plans: This is coverage meant specifically for freelancers and their unique needs.

Health Insurance Options for the Self-Employed in Georgia

There are a variety of coverage options for the self-employed in Georgia.

First, there are plans that cover either just you or your entire family. So, you can get the same family-wide coverage as many employers provide, or you can opt to only protect yourself if that’s not a concern.

Then, there’s also the option to choose between private coverage options and the general marketplace plans. You’re not confined to one option.

You can choose between PPOs, HDHPs, and HMOs for various types of protections, and you can even qualify for tax benefits and self-employed health premiums that make operating a lot more financially feasible.

More or less, the options that everyone else enjoys are still open to you, and there’s a lot of flexibility to find the perfect coverage.

Who Needs Self-Employment Insurance?

Self-employment is a big umbrella term that covers a lot of different workers in Georgia.

• Freelancers and gig workers: This includes Uber drivers and similar service providers.
• Independent consultants: If you run a consultation business on your own, you need coverage.
• Sole proprietors and 1099 contractors: A wide variety of workers, including some that technically work with one company long term, fall under this category.
• Home-based business owners: Whether you run an online store, make things from your home, or do something else on your own, this includes you.

This isn’t just for full-time workers, either. Even people with part-time side hustles can benefit greatly from insurance protection for the self-employed.

Customize Your Self-Employed Business Insurance Plan

When you partner with Chandler Insurance Group for your self-employed insurance needs, you get a fully customized plan that’s designed specifically for you.

• Industry-specific risk analysis: We’ll analyze your business and the industry you’re in to determine how much coverage you need and what type.
• Flexible payment options: We keep insurance accessible for all.
• Bundled health and liability plans: This saves you money and simplifies your premiums.
• Commercial auto or tools add-on: Protect your work car or business tools.

Let’s Get You Insured!

Whether you’re just starting to build your brand, or you’ve been self-employed for a while and constantly have to worry about unexpected expenses, you need self-employed insurance. You’ll have peace of mind and the ability to protect your business and future growth.

Don’t wait. Contact us today , and let’s get you insured!