{"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": "2026-10-29T01:10:25Z", "permalink": "https://bikoosh.com/answers/s/business-insurance-brokers-freelancers-2026-10-29", "question_page": "https://bikoosh.com/answers/q/business-insurance-brokers/freelancers", "brands_named": [{"position": 1, "brand": "E&O", "label": "mentioned"}, {"position": 2, "brand": "Hiscox", "label": "mentioned"}, {"position": 3, "brand": "AM Best", "label": "mentioned"}, {"position": 4, "brand": "CoverWallet", "label": "mentioned"}, {"position": 5, "brand": "CNA", "label": "mentioned"}, {"position": 6, "brand": "Thimble", "label": "mentioned"}, {"position": 7, "brand": "Trustpilot", "label": "mentioned"}, {"position": 8, "brand": "ERGO NEXT", "label": "mentioned"}, {"position": 9, "brand": "NEXT", "label": "mentioned"}, {"position": 10, "brand": "Embroker", "label": "mentioned"}], "sources_cited": [{"url": "https://fitsmallbusiness.com/best-liability-insurance-freelance-workers/", "domain": "fitsmallbusiness.com", "source_type": "other"}, {"url": "https://www.bestmoney.com/business-insurance/reviews/simply-business", "domain": "bestmoney.com", "source_type": "other"}, {"url": "https://fitsmallbusiness.com/coverwallet-insurance-brokerage-review/", "domain": "fitsmallbusiness.com", "source_type": "other"}, {"url": "https://www.nerdwallet.com/article/small-business/coverwallet-insurance-review", "domain": "nerdwallet.com", "source_type": "review"}, {"url": "https://www.selfemployed.com/low-cost-liability-insurance-self-employed/", "domain": "selfemployed.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.cbinsights.com/company/embroker", "domain": "cbinsights.com", "source_type": "other"}, {"url": "https://freelancersunion.org/insurance/", "domain": "freelancersunion.org", "source_type": "other"}], "answer_text": "Quick framing note before the list: for a solo freelancer, a *broker* is often overkill. Most freelance exposure is one or two policies (professional liability/E&O plus general liability), and the direct-to-consumer carriers will quote you in five minutes for less hassle. Brokers earn their keep once you have employees, unusual risk, or several coverage types to coordinate. So I've mixed both below, in the order I'd actually try them.\n\n**1. Hiscox** - My default first stop for freelancers. They underwrite professional liability for 180+ specific professions, so the policy language actually matches what you do rather than a generic template, and you can bind online without talking to anyone. Quotes advertised from about $22.50/month, AM Best A-rated, with worldwide coverage options - useful if you have overseas clients. ([fitsmallbusiness.com](https://fitsmallbusiness.com/best-liability-insurance-freelance-workers/))\n\n**2. Simply Business** - The broker I'd use if I wanted to comparison-shop rather than commit. It's a quote aggregator across a panel of carriers in one flow, which is the right move when you're not sure whether you need E&O, general liability, or both, and want to see", "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"}}