Do freelance digital marketers need insurance?

Yes! Even solo operators face significant risks from: 

  • Campaign mistakes or underperformance 
  • Unintentional copyright or defamation issues 
  • Data breaches involving client information 
  • Client-sited incidents during in-person meetings  

Professional liability (E&O), general liability, and cyber liability are highly recommended—even for freelancers—to safeguard against costly legal claims and reputational damage 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.