Month: February 2026

Freelancing is a great way to enjoy a flexible schedule or earn extra income to cover additional expenses. Many people turn their skills into freelance work, whether it’s playing the guitar or taking on extra accounting projects during tax season. However, ensuring adequate insurance coverage is crucial, especially for those who may be at risk of a lawsuit.

Worker’s Compensation

Freelancers in Louisa, VA, are usually not required to obtain workers’ compensation coverage because they are often sole proprietors. This type of policy is only required if you have employees other than yourself.

Property Insurance

Whether you need property insurance depends on your business and whether you’re renting business space. You may need this coverage in addition to homeowner’s or renters insurance if you own expensive equipment or rent business space. A professional at The Pivotal Insurance Agency LLC can help you determine if this coverage is beneficial for your specific needs.

Liability Coverage

Many freelancers require liability coverage. Policies that cover errors and omissions are essential to protect you from lawsuits claiming negligence. For example, if accounting advice leads to someone losing money, they may sue you. Liability coverage ensures you’re protected from financial loss in such situations.

Liability policies are also helpful for freelancers working as legal consultants or those in industries that involve working inside someone else’s home, such as electrical or plumbing services.

Auto Insurance

If you drive your vehicle for business purposes, it’s important to obtain a commercial auto insurance policy. Without the proper coverage, your provider may deny a claim if an accident occurs while you’re using the vehicle for business activities.

Agents at The Pivotal Insurance Agency LLC can help you determine which types of insurance policies are best suited for your industry. Contact us today to learn more. We’re proud to help drivers in the Louisa, VA area.