How Much Liability Insurance Do You Actually Need?
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
Photographer Insurance: How One Piece of Paper Cost a $15,000 Wedding
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
Business Insurance for Sole Proprietors: Where to Start
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
A Couple Sued Their Wedding Photographer Over $3,200. That's What Errors and Omissions Insurance (E&O) Is For.
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
Who Needs Professional Liability Insurance?
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
Cyber Insurance for Freelancers: Are You Really Too Small to Be a Target?
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
Accident Insurance for Gig Workers: What's Actually Covered
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
Dog Walkers, UX Designers, and Pickleball Coaches: Who Really Needs Business Insurance?
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 Have an LLC, Doesn't That Cover Me?" — What Your LLC Actually Protects
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