If you’re a freelancer, you’re likely juggling invoices, contracts, marketing—and trying to stay insured. Maybe you’ve already secured General Liability or Professional Liability coverage (if not, start there). But there’s a world of overlooked risks that could cost you work, money, or even your reputation.

At Bunker, we help thousands of 1099 contractors secure fast, compliant insurance. And one of the most common mistakes we see? Freelancers thinking basic coverage is enough.

Here are five often-overlooked insurance policies that could be game-changers for your freelance career.

1️⃣ Cyber Liability Insurance

Why you need it: If you store client info, process payments, or send deliverables online, you’re vulnerable to hacks, phishing, and ransomware—even as a solo freelancer.

What it covers:

Data breaches
Legal fees
Notification and recovery costs
Third-party lawsuits

💡 Even one lost client file or exposed password could trigger major fallout. Cyber insurance helps you bounce back fast.

2️⃣ Business Interruption Insurance

Why you need it: What if your laptop dies, your co-working space floods, or a wildfire forces you to evacuate? Freelancers don’t get PTO or disaster relief unless they plan ahead.

What it covers:

Lost income due to business disruptions
Temporary relocation expenses
Equipment replacement

🧯 It’s peace of mind when the unexpected derails your workflow.

3️⃣ Inland Marine Insurance (aka Equipment Coverage)

Why you need it: Standard business policies may not fully cover your gear—especially when it’s on the go.

What it covers:

Laptops, cameras, tools, or tech in transit
Stolen equipment from your car or a gig
Damage at offsite events or client locations

🎥 Perfect for photographers, videographers, mobile consultants, or anyone who works outside of a fixed office.

4️⃣ Hired & Non-Owned Auto Insurance (HNOA)

Why you need it: Drive your own car to a client meeting? Deliver goods for a gig? Your personal auto policy may not cover business-related accidents.

What it covers:

Liability if you’re in an accident while driving for work
Legal fees and medical costs for third parties

🚗 Many freelancers unknowingly leave this gap wide open—until a fender bender creates a financial nightmare.

5️⃣ Errors and Omissions (E&O) for Unexpected Industries

Why you need it: Even if you’re not a “consultant,” a small mistake in your work could lead to a lawsuit.

What it covers:

Claims of negligence or poor work
Missed deadlines
Breach of contract

🖋️ E&O isn’t just for financial advisors—it’s critical for writers, editors, marketers, designers, and more.

The Bottom Line: Coverage Isn’t One-Size-Fits-All

As a freelancer, your risks evolve with your clients, projects, and income streams. Whether you’re building websites, editing books, or managing inventory—being underinsured can cost more than the premiums ever would.

At Bunker, we make it easy to get customized, contract-compliant coverage—without paying for what you don’t need.

👉 Need help figuring out which policies fit your freelance career?
Get a quote and your Certificate of Insurance instantly at buildbunker.com