Freelancer Insurance Calculators
Self-employed? No HR, no employer benefits, no safety net — unless you build one. 15 free calculators tell you exactly what coverage you need and what it costs.
Freelancer Insurance: Key Facts (2026)
- Freelancers lose employer benefits all at once — health, disability, and liability coverage all become your responsibility.
- 60% of freelancers carry no disability insurance, despite a 1-in-4 chance of a disabling event before age 65.
- A single E&O (errors & omissions) claim can cost $50,000+ in legal defense before any settlement is reached.
- Self-employed health insurance premiums are 100% deductible as an above-the-line tax deduction.
- A complete protection stack (health, disability, E&O) typically costs 5–10% of annual freelance income.
Get Your Freelancer Protection Score
Answer 10 yes/no questions and get a score out of 100. See exactly which coverage gaps are costing you the most risk — and in what order to fix them.
Take the quizCritical Coverage — Get These First
Freelancer Health Insurance
Freelancers lose employer-sponsored health coverage and face the ACA marketplace alone. The right pl…
Freelancer Disability Insurance
Freelancers have no sick pay, no employer disability benefits, and often thin savings runways. Disab…
Freelancer Professional Liability (E&O)
A single client dispute — a missed deadline, a code bug that costs them revenue, a deliverable they …
Freelancer Life Insurance
Freelancers lack employer-provided group life insurance. With variable income, no death benefit from…
Freelancer Income Protection
Income protection insurance pays a monthly benefit when illness or injury prevents you from working.…
Freelancer Tax Reserve Calculator
Freelancers pay self-employment tax (15.3%) plus income tax — often a shock after years of employer …
Important — Address Within 6 Months
Freelancer Equipment Insurance
Your laptop, camera, and production gear are your income-generating tools. Homeowners or renters ins…
Freelance Developer Cyber Liability
Freelance developers who build software handling payments, store client data, or have admin access t…
General Liability for Freelancers
General Liability protects against third-party bodily injury and property damage claims. If you meet…
Freelancer Retirement Calculator
Freelancers have access to powerful retirement accounts — Solo 401(k), SEP IRA, and SIMPLE IRA — tha…
Freelancer HSA Calculator
An HSA (Health Savings Account) paired with a High Deductible Health Plan is one of the most powerfu…
Freelancer Insurance Bundle Calculator
Most freelancers need 4–6 types of insurance, but buy them piecemeal without understanding the full …
Client Contract Risk Calculator
Not all freelance contracts carry equal risk. Enterprise contracts with IP transfer clauses, penalty…
Freelancer Total Protection Score
Most freelancers are significantly underinsured — not because they chose to be, but because they nev…
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The Insurance Bundle Calculator builds your full recommended stack in one shot — profession, income, dependents, and all. Estimates your total annual cost and priority order.
Build my coverage stackAll 15 Freelancer Insurance Tools
Calculate freelancer health insurance costs and ACA subsidy eligibility. Find the right plan tier for self-employed workers. Free calculator — results in 60 seconds.
Calculate disability insurance needs for freelancers and self-employed workers. Find your recommended monthly benefit, elimination period, and estimated premium.
Calculate errors & omissions (E&O) insurance for freelancers. Find the right coverage limit based on your revenue, profession, and client contract sizes. Free tool.
Calculate business equipment insurance for freelancers. Laptop, camera, audio gear — find out if your homeowners policy covers it or if you need a standalone policy.
Calculate cyber liability insurance for freelance developers and consultants. Assess data breach risk, client system access exposure, and payment handling liability.
Calculate life insurance needs for freelancers and self-employed workers. Variable income adjustments, mortgage and debt coverage, and term length recommendations.
Calculate your freelancer income protection gap. Find out how many months you can survive without income and what coverage benefit you need. Free tool.
Calculate general liability insurance for freelancers. Find out if you need GL, recommended coverage limits, and estimated annual premiums by profession and revenue.
Calculate retirement savings needs for freelancers. Compare Solo 401k vs SEP IRA vs SIMPLE IRA. Find your monthly savings requirement and tax savings. Free tool.
Calculate freelancer self-employment tax, estimated federal and state taxes, and the right percentage to set aside quarterly. 2026 tax brackets. Free tool.
Calculate business interruption insurance for freelancers. Find your monthly financial exposure and recommended coverage duration if you lose income suddenly.
Calculate HSA tax savings for freelancers. Compare HDHP + HSA vs standard health plan. Find your break-even point and projected HSA balance. 2026 limits.
Calculate your complete freelancer insurance stack. Get a prioritized coverage recommendation with total annual cost as a percentage of your income. Free tool.
Analyze your freelance client contract risk. Get a risk score, insurance recommendations, and red flags to address before signing. Free contract risk tool.
Score your freelancer insurance coverage. Answer 10 questions to get your protection score (0–100), identify coverage gaps, and get priority recommendations.