Step-by-Step Guide to Filing an Insurance Claim for Freelancers

When you’re a 1099 contractor or freelancer, your insurance coverage is more than just a checkbox—it’s your safety net. But what happens when that safety net has to be used?

Whether you’ve experienced property damage, a liability claim, or a cyber incident, filing a claim might feel overwhelming. That’s why we’re breaking it down step by step—so you know what to expect, what to avoid, and how to get the coverage you’ve paid for.

At Bunker, we specialize in protecting independent professionals. Here’s our expert-backed guide to filing an insurance claim when you’re self-employed.

🛠️ Step 1: Identify the Type of Claim You Need to File

Start by confirming what kind of policy the incident relates to:

• General Liability – Bodily injury or property damage caused to others 
• Professional Liability (E&O) – Claims of negligence or work-related errors 
• Commercial Property – Stolen, lost, or damaged business property (e.g., laptop, camera) 
• Cyber Liability – Data breaches, phishing attacks, or hacking incidents 
• Workers’ Compensation – On-the-job injuries (if you carry it) 

Knowing your policy type helps you notify the correct insurance carrier and speeds up the process.

🧾 Step 2: Gather the Necessary Documentation

Before you file, collect the key materials your insurer will likely ask for:

• A written description of what happened 
• Photos or video evidence (if applicable) 
• Police report (for theft, vandalism, or accidents) 
• Receipts or proof of ownership for damaged property 
• Client communication or contracts if the issue involves a liability claim 

Pro tip: Save everything digitally so it’s easy to upload or email when needed.

📞 Step 3: Notify Your Insurance Provider Promptly

Time is crucial. Most policies require prompt notification—usually within a specific window, like 24 to 72 hours.

With Bunker, you can contact your carrier or request help directly through our dashboard. We’ll help you initiate the claim and ensure your information is routed quickly.

Delaying this step could affect your ability to get reimbursed.

📋 Step 4: Fill Out the Claim Form Accurately

Every carrier has its own version of a claim form. Be thorough and honest. Include:

• Date, time, and location of the incident 
• A timeline of events 
• Any third parties involved 
• The total value of the loss or damage 

The more detail you provide upfront, the fewer back-and-forth questions you’ll face.

🔎 Step 5: Work With the Claims Adjuster

After filing, a claims adjuster will be assigned to your case. Their job is to verify the claim, assess damages, and determine payout eligibility.

Stay responsive and cooperative. Answer follow-up questions quickly, and submit any additional documents they request.

At Bunker, we’re here to support you throughout this phase—especially if your client is also involved in the claim.

💰 Step 6: Receive Your Payout or Coverage Decision

Once your claim is approved, you’ll receive:

• A payout check or direct deposit 
• Or, if applicable, coverage for legal defense or repair costs 

Note: If your policy includes a deductible, it will be subtracted from your total payout.

If your claim is denied, your provider must explain why—and you have the right to appeal.

📌 Additional Tips for Freelancers Filing Claims

• Keep records updated: Store contracts, receipts, and photos of your equipment regularly. 
• Review your policy limits: Know what’s covered and what’s not—before a crisis. 
• Don’t wait to report: Immediate reporting strengthens your case and ensures compliance. 
• Bundle with Bunker: We help freelancers stay compliant, get covered fast, and access support when it matters most. 

🚀 Conclusion: Don’t Let a Setback Derail Your Business

Filing an insurance claim as a freelancer may sound intimidating, but with the right preparation and support, it can be a smooth and empowering process.

At Bunker, we’re built for 1099s—fast, flexible coverage that makes it easy to file, communicate, and get back to work.

Need to file a claim or want to be prepared before one hits?
👉 Start today by contacting us at support@buildbunker.com or visit buildbunker.com