What does a high protection score mean?

A score above 75 means you have comprehensive coverage across the key risk categories: health, disability, professional liability, life (if applicable), equipment, and retirement savings. You're protected against the most likely financial disruptions to your freelance business.

I scored low — where do I start?

Start with health insurance (if you're uninsured, this is the most urgent gap). Then disability insurance. Then professional liability if you have active client work. These three together prevent the most catastrophic financial outcomes. Don't try to fix everything at once.

How often should I reassess my protection score?

Annually, or after any major life or business change: new dependent, significant income change, new type of client or work, marriage/divorce, new mortgage, or starting a new business entity type.

Is it normal for freelancers to have low protection scores?

Unfortunately yes. Research suggests 60–70% of self-employed workers lack adequate disability coverage, 30% lack health insurance, and most lack professional liability. The freelancer ecosystem often doesn't surface these needs as clearly as employee benefits enrollment does.

What score should I target?

Aim for 75+. A perfect 100 requires comprehensive coverage in every category, which makes sense for high-income freelancers but may not be cost-effective for those earning under $50K. The 75+ target covers the critical exposures without over-insuring.

What does a high protection score mean?

A score above 75 means you have comprehensive coverage across the key risk categories: health, disability, professional liability, life (if applicable), equipment, and retirement savings. You're protected against the most likely financial disruptions to your freelance business.

I scored low — where do I start?

Start with health insurance (if you're uninsured, this is the most urgent gap). Then disability insurance. Then professional liability if you have active client work. These three together prevent the most catastrophic financial outcomes. Don't try to fix everything at once.

How often should I reassess my protection score?

Annually, or after any major life or business change: new dependent, significant income change, new type of client or work, marriage/divorce, new mortgage, or starting a new business entity type.

Is it normal for freelancers to have low protection scores?

Unfortunately yes. Research suggests 60–70% of self-employed workers lack adequate disability coverage, 30% lack health insurance, and most lack professional liability. The freelancer ecosystem often doesn't surface these needs as clearly as employee benefits enrollment does.

What score should I target?

Aim for 75+. A perfect 100 requires comprehensive coverage in every category, which makes sense for high-income freelancers but may not be cost-effective for those earning under $50K. The 75+ target covers the critical exposures without over-insuring.

Freelancer Insurance Protection Score

Freelancer Total Protection Score: What Freelancers Need to Know

Most freelancers are significantly underinsured — not because they chose to be, but because they never mapped their full exposure. This quiz scores your current coverage across all risk categories and gives you a clear priority action list.

38/100

Avg Freelancer Score

typical self-employed coverage

80+/100

Fully Protected

recommended target score

3–5%

Cost to Close Gaps

of annual income

Freelancer Insurance Protection Score | Coverage Gap Quiz

Key Things to Know: Freelancer Total Protection Score

Freelancer Total Protection Score — Free Calculator

Freelancer Total Protection Score: What Freelancers Need to Know

Frequently Asked Questions: Freelancer Total Protection Score

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