{"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": "2026-10-22T00:58:52Z", "permalink": "https://bikoosh.com/answers/s/business-insurance-brokers-freelancers-2026-10-22", "question_page": "https://bikoosh.com/answers/q/business-insurance-brokers/freelancers", "brands_named": [{"position": 1, "brand": "E&O", "label": "mentioned"}, {"position": 2, "brand": "Insureon", "label": "mentioned"}, {"position": 3, "brand": "HUB International", "label": "mentioned"}, {"position": 4, "brand": "International", "label": "mentioned"}, {"position": 5, "brand": "Hiscox", "label": "mentioned"}, {"position": 6, "brand": "TechInsurance", "label": "mentioned"}, {"position": 7, "brand": "Coverdash", "label": "mentioned"}, {"position": 8, "brand": "Thimble", "label": "mentioned"}, {"position": 9, "brand": "ERGO NEXT", "label": "mentioned"}, {"position": 10, "brand": "NEXT", "label": "mentioned"}, {"position": 11, "brand": "Vouch", "label": "mentioned"}, {"position": 12, "brand": "D&O", "label": "mentioned"}], "sources_cited": [{"url": "https://startupsavant.com/insureon-business-insurance-review", "domain": "startupsavant.com", "source_type": "other"}, {"url": "https://www.cbinsights.com/company/insureon/alternatives-competitors", "domain": "cbinsights.com", "source_type": "other"}, {"url": "https://www.quotesweep.com/carriers/hiscox/appetite/technology-companies", "domain": "quotesweep.com", "source_type": "other"}, {"url": "https://blog.freelancersunion.org/2019/08/06/frequently-asked-questions-about-liability-insurance/", "domain": "blog.freelancersunion.org", "source_type": "other"}, {"url": "https://www.simplybusiness.com/business-insurance/professional-liability-insurance/", "domain": "simplybusiness.com", "source_type": "other"}, {"url": "https://techinsurance.com/about-us", "domain": "techinsurance.com", "source_type": "vendor"}, {"url": "https://www.quotesweep.com/insurtech/coverdash", "domain": "quotesweep.com", "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.quotesweep.com/blog/next-insurance-alternatives", "domain": "quotesweep.com", "source_type": "other"}, {"url": "https://www.quotesweep.com/blog/cost/consultants", "domain": "quotesweep.com", "source_type": "other"}, {"url": "https://www.nerdwallet.com/article/small-business/insurance-policies-for-freelancers", "domain": "nerdwallet.com", "source_type": "review"}], "answer_text": "Quick framing that changes the answer: most freelancers don't actually need a *broker* - you need an E&O (professional liability) policy, and the two-minute online route usually beats a broker relationship until you're above roughly $250k revenue or have a client contract with unusual requirements. Here's who I'd actually use, in order.\n\n**1. Insureon - the default broker pick.** Digital marketplace owned by Hub International (acquired 2022, alongside Bold Penguin), so you get real licensed agents behind it. One application compares Hiscox, The Hartford, Coalition and others, and it's free to you - the carrier pays the commission. Their 2026 data puts freelancer E&O around **$55/month** average. This is where I'd start if you want someone to actually look at your situation rather than just vending a policy.\n\n**2. Hiscox - go direct, skip the broker.** The specialist in solo and home-based businesses: consulting, design, IT, writing, fitness. Policies are tailored to hundreds of specific occupations, which matters because a generic \"consultant\" classification is how freelancers end up with coverage that doesn't match what they actually do. Starts around **$22.50/month**. For a copyw", "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"}}