Expert-Reviewed Freelancer Insurance Guide

Freelancer General Liability Insurance Calculator | GL Cost

General Liability protects against third-party bodily injury and property damage claims. If you meet clients at your office, work at client sites, or handle physical products, GL is required. Many clients, coworking spaces, and venue contracts require proof of GL coverage.

$1M/$2M β€” Standard Coverage$300–$1,500 β€” Annual Premium$100K+ revenue β€” BOP ThresholdUpdated July 2026
General Liability
Within 6 Months

Key Things to Know: General Liability for Freelancers

  • GL covers bodily injury and property damage β€” not professional errors (that's E&O/Professional Liability)
  • Freelancers who work at client sites, meet clients in person, or use coworking spaces typically need GL
  • Most freelancers who only work remotely and handle no physical products have minimal GL exposure
  • $1M per-occurrence / $2M aggregate is the standard minimum required by most commercial leases and client contracts

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General Liability Calculator for Freelancers
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General Liability for Freelancers: What Freelancers Need to Know

General Liability protects against third-party bodily injury and property damage claims. If you meet clients at your office, work at client sites, or handle physical products, GL is required. Many clients, coworking spaces, and venue contracts require proof of GL coverage.

$1M/$2M
Standard Coverage
per occurrence / aggregate
$300–$1,500
Annual Premium
for most freelancers
$100K+ revenue
BOP Threshold
BOP often better value

Frequently Asked Questions: General Liability for Freelancers

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Disclaimer: All calculations are estimates based on industry averages and publicly available data. This tool is for educational purposes only and does not constitute insurance, financial, legal, or tax advice. Consult a licensed insurance broker and financial advisor for personalized recommendations.