{"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": "2026-09-30T00:16:56Z", "permalink": "https://bikoosh.com/answers/s/business-insurance-brokers-freelancers-2026-09-30", "question_page": "https://bikoosh.com/answers/q/business-insurance-brokers/freelancers", "brands_named": [{"position": 1, "brand": "Hiscox", "label": "mentioned"}, {"position": 2, "brand": "Travelers", "label": "mentioned"}, {"position": 3, "brand": "US", "label": "mentioned"}, {"position": 4, "brand": "Trustpilot", "label": "mentioned"}, {"position": 5, "brand": "NEXT", "label": "mentioned"}, {"position": 6, "brand": "ERGO NEXT", "label": "mentioned"}, {"position": 7, "brand": "Thimble", "label": "mentioned"}, {"position": 8, "brand": "Insureon", "label": "mentioned"}, {"position": 9, "brand": "Join It", "label": "mentioned"}], "sources_cited": [{"url": "https://fitsmallbusiness.com/best-liability-insurance-freelance-workers/", "domain": "fitsmallbusiness.com", "source_type": "other"}, {"url": "https://www.nerdwallet.com/business/insurance/best/freelancers", "domain": "nerdwallet.com", "source_type": "review"}, {"url": "https://www.moneygeek.com/insurance/business/hiscox-review/", "domain": "moneygeek.com", "source_type": "other"}, {"url": "https://www.moneygeek.com/insurance/business/simply-business-review/", "domain": "moneygeek.com", "source_type": "other"}, {"url": "https://blakeinsurancegroup.com/next-vs-hiscox-vs-thimble/", "domain": "blakeinsurancegroup.com", "source_type": "other"}, {"url": "https://blog.freelancersunion.org/2023/04/17/freelancers-liability-insurance-what-you-need-to-know/", "domain": "blog.freelancersunion.org", "source_type": "other"}, {"url": "https://www.bizinsurancecompare.com/carriers/embroker", "domain": "bizinsurancecompare.com", "source_type": "other"}, {"url": "https://startupsavant.com/insureon-business-insurance-review", "domain": "startupsavant.com", "source_type": "other"}], "answer_text": "For a solo freelancer, the honest framing first: you usually don't need a traditional broker. Most freelance exposure is professional liability (E&O) plus general liability, and that's a commodity product you can buy online in 15 minutes. Brokers earn their keep once you have employees, contracts with unusual indemnity clauses, or need cyber/D&O. Here's who I'd actually name, in order:\n\n**1. Simply Business - my default starting point.** It's a marketplace, not a carrier: one form, quotes back from multiple insurers (Hiscox, Travelers, biBERK, etc.) so you see the spread rather than one company's number. Median rates quoted around $41/mo general liability and ~$26/mo for E&O. Best score-to-effort ratio for a freelancer who doesn't want to shop five sites.\n\n**2. Hiscox - best for pure knowledge work.** Writers, designers, consultants, marketers, developers. Their E&O is tailored to hundreds of specific professions and covers work performed worldwide as long as the claim is filed in the US or Canada - genuinely useful if you have overseas clients. From ~$22.50/mo. One real caveat: their Trustpilot sits at 1.4/5 across ~959 reviews, with recurring complaints about claims delays and qu", "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"}}