NeedBizInsurance
Coverage by Profession · United States · 2026

General Liability for freelance writers

General Liability is typically optional for freelance writers. Rarely needed unless you meet clients on site or keep an office.

Requirement
Optional
Average cost
$300.00–$600.00/yr
Business risk
low
01

How general liability applies

Rarely needed unless you meet clients on site or keep an office.

02

What affects the price

Office vs. home
03

Best carriers for general liability for freelance writers

Embroker
AM Best: A
direct
professional-liabilitygeneral-liabilityworkers-compensationcyber-liability
Hiscox
AM Best: A
direct
professional-liabilitygeneral-liabilitycyber-liabilitybusiness-owners-policy
NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
Thimble
AM Best: A
direct
general-liabilitycommercial-autoinland-marineworkers-compensation
04

General Liability for Freelance Writers — FAQ

Do freelance writers need general liability?+

General Liability is usually optional for freelance writers. It may not be legally required everywhere, but it is still commonly carried to close coverage gaps.

What does general liability cover for freelance writers?+

General Liability helps protect a freelance writer business from losses tied to the specific risks of the work, including claims that may not be covered by a basic policy package.

Can freelance writers buy general liability online?+

Yes. Many carriers quote general liability online for freelance writers, though higher-risk work, employees, vehicles, or licensed operations may require extra underwriting.

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