When you work for yourself, you carry more than just your job title—you carry the weight of your entire business. No HR department, no safety net, and no one else to clean up the mess if something goes wrong.

That’s exactly why understanding the types of insurance for self-employed professionals is essential, and why it’s so important to insure your business with the right coverage.

The right coverage can help you stay focused on growing your business instead of stressing about what could go wrong.

Stay Covered, Even Without a Company Plan

Health insurance should be one of the first things you lock in. Without it, one medical emergency could drain your savings or worse, shut down your business.

Whether you choose a plan through a state marketplace, a private provider, or go with a high-deductible plan paired with a Health Savings Account (HSA), make sure your plan matches the way you use healthcare.

When You Can’t Work, Your Bills Still Arrive

Let’s be honest—if you’re out sick or injured, there’s no PTO. That’s where disability insurance comes in.

Short-term policies can cover you during a few weeks of recovery, while long-term options step in if something serious keeps you from working for months or even years.

Think of it as income insurance, because your clients won’t keep paying you if you’re not delivering.

Protect Your Reputation and Your Wallet

You might not think you need liability insurance, but all it takes is one unhappy client or one bad day for a lawsuit to land in your inbox.

Professional liability insurance—also known as errors & omissions (E&O) coverage—can help protect you if someone claims your work caused them financial harm.

And if clients visit your workspace, you might need general liability insurance to cover accidents or injuries.

Commercial umbrella insurance can also be worth considering, especially if a claim exceeds the limits of your primary policies.

Your Tools Are Your Livelihood

A laptop, camera, or custom equipment—if you use it to earn a living, you need to protect it. Commercial property insurance or a Business Owner’s Policy (BOP) can cover your gear, even if you work from home.



Don’t assume your homeowner’s policy will help—it usually won’t. If a fire, theft, or flood hits your workspace, replacing everything out of pocket could be devastating.

And if you store sensitive client data or conduct business online, cyber liability insurance adds critical protection you won’t want to overlook. And as online threats continue to rise, now’s the time to prepare your business to handle cyber attacks, not just respond to them.

Errors Happen. Be Ready.

Mistakes happen—even when you do everything right. Errors and Omissions insurance (E&O) steps in when a missed deadline or miscommunication with a client turns into a legal dispute.

It’s especially important for freelancers, consultants, and anyone who gives advice or delivers services. It also gives clients peace of mind knowing you’re covered if something doesn’t go according to plan. 

Think Beyond Today

You’re building something for the future, so protect it. A retirement plan should be part of your strategy, not an afterthought.

Options like a SEP IRA or Solo 401(k) help you prepare for the long game while maximizing your tax benefits.

Your Coverage, Your Business Lifeline

Self-employment gives you freedom, but it also demands that you think ahead. Choosing the right types of insurance for self-employed workers isn’t just a box you should check. It’s about building a business that can survive surprises.

You don’t have to be perfect, but you do need to be prepared.

Ready to Find the Right Coverage?

At Chandler Insurance Group, we care about protecting business owners like you. Whether you’re a freelancer, consultant, or small business owner, we’ll help you choose the policies that fit your work and your lifestyle.

Contact us today to start building your safety net, so you can focus on what you do best.