Guidance to help you protect your business, your income, and yourself. Understand what coverage you may need, why it matters, and how to get protected—all in one place.
I hired someone from a third-party site, and because I work in insurance, one question sat in my head the whole time: is he insured? I finally asked.
Christian Goy · · 6 minute read
When I bought my first general liability (GL) policy for my one-person consulting business, I was so lost. How much liability insurance do I actually
Christian Goy · · 6 minute read
A photographer I know lost a $15,000 wedding because she couldn't produce one piece of paper in time. Not her work. Paperwork. Photographer
· 5 minute read
When I started my first solo business, I had no idea what insurance I needed, or whether I needed any at all. Here's the answer I wish I'd had:
Christian Goy · · 6 minute read
In June 2025, a New York couple sued their wedding photographer over a $3,200 package, claiming blurry photos and missed moments. His lawyer denies
· 5 minute read
A client just told you they won't let you start until you send proof of insurance. And you wonder: who needs professional liability insurance?
Christian Goy · · 6 minute read
Sole proprietors tell us all the time: "I'm too small to worry about hackers, and I can spot a fake email a mile away." That used to be
· 5 minute read
When I was self-employed, I had a high-deductible health plan, and I rode my bike everywhere. So I had this nagging thought: if I go down, what does an
· 5 minute read
It's a fair question to ask yourself: I'm just me, do I need business insurance, or is that overkill for one small gig? The honest answer is that it
· 6 minute read
I was on a call with a founder who sells an AI tool he built for go-to-market teams. I asked if he carried professional liability and cyber coverage.
· 5 minute read
A client just asked you for "proof of insurance," and now you're staring at two policies that sound almost identical, unsure which one
· 5 minute read
One accident. One damaged floor. One unhappy client with a lawyer. As a 1099 contractor, any of these can turn into a lawsuit that costs more than you
· 7 minute read
The email arrives while you're still picking out the kickoff date: "Can you send over your certificate of insurance before we start?" Your
· 5 minute read
You just went solo. A client emails: "Send me proof of insurance before we start." You don't have an LLC, and now you're wondering,
· 5 minute read
One lawsuit. That's all it takes to erase everything you've earned this year, and most freelancers don't find out until it's already in
· 4 minute read
You built your own thing. That comes with real freedom. And real risk. Finding the right insurance for gig workers isn't complicated, but knowing
· 5 minute read
Knowing how to get a COI for my business can be the difference between landing a contract and losing it. If a client has ever stopped a deal in its tracks
· 9 minute read
