Whether it’s freelance writing for a small business or mowing lawns, independent contractors need to protect themselves from the unexpected. These solo workers are just as vulnerable to lawsuits and other claims as larger companies. Liability insurance covers a range of events that could be costly if a contractor has to pay out of pocket. Here are several reasons why they should strongly consider having coverage.

How Liability Insurance Helps Contractors

Satisfies Client Requirement

Depending on the client, some may require independent contractors to provide proof of professional liability insurance. The additional coverage serves as a safety net in case the contractor’s work causes injury, property damage, or other accidents. Most policies extend protection to cover attorney fees, court costs, and judgments.

Guards Contractor’s Business

Independent contractors typically don’t have a team of lawyers behind them to fight their legal battles. A comprehensive liability insurance plan fills in that gap. If an accident occurs as a result of the contractor’s work and a lawsuit follows, they can turn to their coverage to help pay for defense costs. From allegations of defective products and libelous content to shoddy home renovation work and negligence, the insurance policy is designed to kick in when claims are filed by customers and vendors.

Meets Industry Compliance

Electrical work, construction, and other high-risk industries generally require independent contractors to have general liability insurance. Unfortunately, the nature of these businesses can cause bodily injuries to workers and damages to property. The minimum coverage amounts vary in each state and with industry type. If you’re a contractor, consider talking with an insurance agent to ensure a liability policy meets state and local compliance requirements.

Independent contractors have the freedom of being in charge. Protecting their financial livelihood against lawsuits is an important responsibility. Let the experienced team at Bobby Brown Insurance Agency in Milledgeville, GA, help secure your line of work from costly perils. For nearly 40 years, the locally owned firm has helped Baldwin County contractors and business owners in a wide range of industries. As an independent agency, the company can search for the best rates and policy features from the nation’s leading insurance providers. Call (478) 453-9496 for a complimentary consultation. You can also visit the website to request a free, no-obligation insurance quote.