Freelancers often juggle multiple roles—marketing, client services, billing, and more. One area that’s easy to overlook in a freelance business is insurance. While general liability or professional liability coverage may already be in place, umbrella insurance provides an extra layer of protection that freelancers might not realize they need—until it’s too late.

What Is Umbrella Insurance?

Umbrella insurance is designed to cover costs that exceed the limits of your existing policies. For instance, if a client sues you for defamation or negligence and wins a settlement that surpasses your liability coverage, umbrella insurance can step in to cover the difference. This type of coverage helps protect your personal assets, such as savings, property, or investments.

High-Risk Freelance Work

Freelancers working in high-risk fields like consulting, media, tech, or creative services are especially vulnerable to lawsuits. Even if you win the case, legal defense costs can be significant. Umbrella insurance can help cover legal fees, providing peace of mind and financial security.

Businesses With Complicated Liability

Many freelancers blur the lines between business and personal life by using a home office, driving their personal vehicle for business purposes, or meeting clients at non-business locations. These situations can complicate liability, making umbrella insurance coverage even more valuable.

Contact Janis-Shunta Insurance, Proudly Serving Muskegon

Whether you’re looking to increase your existing coverage or purchase a new policy for the first time, the team at Janis-Shunta Insurance, serving Muskegon, MI, is here to help. Contact us today to learn more about our policies or stop by our office. We look forward to assisting you!