{"question": "best business insurance brokers for freelancers", "category": "business-insurance-brokers", "category_name": "business insurance brokers", "audience": "freelancers", "audience_name": "freelancers", "engine": "Claude (Anthropic) with web search", "model": "claude-opus-5", "asked_at": "2026-09-06T22:29:54Z", "permalink": "https://bikoosh.com/answers/s/business-insurance-brokers-freelancers-2026-09-06", "question_page": "https://bikoosh.com/answers/q/business-insurance-brokers/freelancers", "brands_named": [{"position": 1, "brand": "Insureon", "label": "mentioned"}, {"position": 2, "brand": "Trustpilot", "label": "mentioned"}, {"position": 3, "brand": "Thimble", "label": "mentioned"}, {"position": 4, "brand": "CoverWallet", "label": "compared"}, {"position": 5, "brand": "Embroker", "label": "mentioned"}, {"position": 6, "brand": "Hiscox", "label": "mentioned"}, {"position": 7, "brand": "NEXT", "label": "mentioned"}, {"position": 8, "brand": "ERGO NEXT", "label": "mentioned"}], "sources_cited": [{"url": "https://generalliabilityinsure.com/reviews/insureon-reviews.html", "domain": "generalliabilityinsure.com", "source_type": "other"}, {"url": "https://generalliabilityinsure.com/reviews/simply-business-insurance-reviews.html", "domain": "generalliabilityinsure.com", "source_type": "other"}, {"url": "https://blakeinsurancegroup.com/next-vs-hiscox-vs-thimble/", "domain": "blakeinsurancegroup.com", "source_type": "other"}, {"url": "https://startupsavant.com/service-reviews/embroker-business-insurance", "domain": "startupsavant.com", "source_type": "other"}, {"url": "https://freelancersunion.org/insurance/liability-insurance/", "domain": "freelancersunion.org", "source_type": "other"}, {"url": "https://www.jobbers.io/best-professional-liability-insurance-providers-for-freelancers-2026/", "domain": "jobbers.io", "source_type": "other"}, {"url": "https://www.launchadvisor.co/guides/hiscox-vs-next-vs-simply-business-best-small-business-insurance-freelancer-independent-creator", "domain": "launchadvisor.co", "source_type": "other"}, {"url": "https://fitsmallbusiness.com/best-liability-insurance-freelance-workers/", "domain": "fitsmallbusiness.com", "source_type": "other"}, {"url": "https://fitsmallbusiness.com/coverwallet-insurance-brokerage-review/", "domain": "fitsmallbusiness.com", "source_type": "other"}, {"url": "https://dinghy.us/freelancers-union-writer-insurance/", "domain": "dinghy.us", "source_type": "other"}], "answer_text": "Quick framing, because it changes the answer: most of the well-known names for freelancers are **direct insurers** (you buy from them), not brokers. Actual brokers/marketplaces shop several carriers for you. Below, both - brokers first, since that's what you asked for. US-focused.\n\n## Brokers / marketplaces (shop multiple carriers)\n\n1. **Insureon** - my default first stop for a freelancer. Widest carrier panel of the online brokers, covers a lot of traditional and odd trades, and it's genuinely fast; strong Trustpilot record (~4.5). Good when you're not sure which carrier will even quote your line of work. ([review](https://generalliabilityinsure.com/reviews/insureon-reviews.html))\n2. **Simply Business** - specializes in micro-businesses and one-person operations, which is exactly the freelancer profile. Often the best price on plain general liability + a BOP. ([review](https://generalliabilityinsure.com/reviews/simply-business-insurance-reviews.html))\n3. **Thimble** - a broker, not a carrier, and the one worth knowing for **per-job coverage**: by the hour, day, or month, from around $5/hour. Right answer if a single client demands a certificate for a two-day shoot or on-site engag", "answer_truncated": true, "measurement": "One answer from one engine on one date. Not a ranking and not a claim about the world; brands the engine did not name are not recorded.", "limitation": "Coverage: Claude (Anthropic) with web search. Other engines not included.", "alerts": {"name": "Answer Watch Pro", "price_usd": 79, "period": "month", "gets": "daily change alerts for up to 5 brands in what one AI answer engine says, history, CSV export. Coverage: Claude (Anthropic) with web search. Other engines not included", "url": "https://bikoosh.com/answers"}}