Industry-Specific Help

Creative work concentrates risk in two places: your gear and your output. Cameras, lenses, and workstations are expensive to replace and travel to jobs with you, so equipment coverage does heavy lifting. Your output, meaning designs, photos, copy, and film, carries intellectual property risk: a claim that your work copied someone else's, used an image without rights, or defamed someone.

Professional Liability responds when a client says the work itself fell short: a shoot that missed the brief, or files delivered too late for a launch. If you publish or produce media, media liability extends that protection to content and IP claims.

Physical work at client properties makes General Liability the non-negotiable policy for contractors: you're one dropped tool, one scratched floor, or one visitor tripping over your cords away from a third-party claim. Tool and equipment coverage (inland marine) protects the gear that travels in your truck, and completed-operations coverage matters because your liability doesn't end when the job does. It follows the work you've finished.

Expect paperwork before most jobs: client contracts commonly require a certificate of insurance before you start, and many ask to be named as an additional insured. Both take a minute to generate from your dashboard once your policy is active.

When your business lives online, your biggest risks are digital: a breach of customer data, a hack that locks up your store, a product you sell injuring a buyer, or content you publish drawing an IP or defamation claim. Cyber Liability handles the breach-and-hack side: breach response, customer notification costs, and business interruption while systems are down.

Don't skip General Liability just because customers never visit you. It still covers advertising injury claims and in-person exposure like markets, pop-ups, and coworking spaces. If client data sits at the center of your business, start with Cyber Liability.

Most real businesses do: a photographer who consults, a developer who sells a product. Describe every activity when you apply, not just the main one: your policy covers the work you declared, and a claim from an undeclared side of the business is exactly the kind that gets disputed.

Being thorough doesn't complicate anything. It means your quote reflects your actual business. If one activity is a big departure from the rest, an agent reviews the mix and builds coverage that matches all of it.

We publish profession-specific guides covering the risks and typical coverage mix for individual trades: photographers, electricians, consultants, cleaners, and more. Browse insurance by profession to find your line of work.

If your profession isn't listed, the categories on this page still map well: decide whether your risk lives mostly in your advice, your gear, your physical work, or your online presence, and start from that column. A quote will sort out the specifics.