One client claim could cost more than your side hustle made last year. Professional liability coverage built for the modern independent workforce. Get covered in minutes.
Sound familiar?
That's the problem. Here are the four myths that leave independent professionals completely exposed.
"My LLC protects me from everything."
An LLC may help separate business and personal assets in some situations. It does not prevent lawsuits, and it doesn't automatically shield you from personal liability claims when you're the one delivering the service.
"The venue's insurance has me covered."
The gym, salon, or studio carries insurance for their business, not yours. If a client sues you specifically as the independent contractor who caused harm, their policy likely won't step in for you.
"We have a signed waiver. I'm safe."
Waivers can help. They don't stop lawsuits. People file claims anyway, and a waiver's enforceability varies by state, by situation, and by what a judge thinks that day. It's not a policy. It's a piece of paper.
"I only do this a few hours a week."
Liability doesn't scale with your hours. One session, one injury, one claim. That's all it takes. Part-time income does not mean part-time legal exposure.
Find out if your side hustle is actually protected before a client does.
Check Your Coverage RiskIf people pay you for a service, you probably have liability exposure. This was built for you.
Fitness Coaches + Trainers
You coach clients in gyms, studios, private homes, and online. One injury claim can follow you no matter where the session happened.
Beauty Professionals
Hair, lashes, makeup, esthetics, nails, salon suite professionals. You're the service provider whether you rent a chair or work independently.
Tattoo Artists
Independent artists, private studios, and traveling professionals. The liability exposure moves with you.
Tutors + Coaches
Online or in-person. If you give advice, instruction, or guidance for pay, you have professional liability exposure.
Pet Professionals
Dog groomers, walkers, trainers, mobile pet businesses. Animals are unpredictable. Claims happen.
Freelancers + Creators
Consultants, content creators, freelancers, independent service providers. Your expertise is the product. Protect it.
Not sure if this applies to you? If someone pays you for a service, it probably does.
Start Your ApplicationMost side hustlers don't know the answer until it's too late. These situations happen. Every week.
A client gets injured during your session.
Who gets sued first?
A customer claims your advice caused financial loss.
Are you protected?
A client slips during a home visit you arranged.
Whose insurance responds?
A waiver didn't stop the legal action they threatened.
What happens next?
Most side hustlers don't know the answer until it's already too late.
Check Your Coverage RiskNo confusing paperwork. No phone calls that go nowhere. No old-school insurance process.
Choose Your Profession
Select the type of work you do and your coverage preferences. Built for how independent professionals actually work, not how insurance companies want you to work.
Complete Your Application
Enter your information and choose your liability limits. Most applications take just a few minutes. No lengthy phone screenings, no unnecessary back-and-forth.
Get Covered Fast
Start your policy and access proof of insurance quickly. Same-day COI available. Coverage that follows you wherever you work.
Built for the new workforce. Millions of people earn income outside traditional jobs. Most insurance companies still operate like it's 2005.
Fast Quotes
Get pricing in minutes, not days. No waiting on callbacks. No playing phone tag with an agent who's out of the office.
Same-Day Coverage
Get covered and download your COI fast. Some clients and venues require proof of insurance before you can even start. We've got you.
Built For Independent Workers
Coverage designed for side hustlers, freelancers, creators, and modern service providers. Not retrofitted from a commercial policy that doesn't quite fit.
Digital-First Experience
No confusing paperwork. No endless phone calls. No old-school insurance process. Apply online. Get covered online. Download your COI online.
The questions that come up before almost every application.
Doesn't my LLC protect me?
An LLC may help separate business and personal assets in some situations, but it does not automatically prevent lawsuits or claims against you personally. When you're the one delivering the service, you're often the one named in a claim, LLC or not.
Doesn't the gym or salon already have insurance?
Maybe. But their policy is designed to cover their business, not independent contractors who work out of their space. If a client takes action against you specifically, you're on your own without your own coverage.
Do waivers stop lawsuits?
Not always. A waiver may help in some situations, but people can still file claims. Courts don't always enforce them. And even when you eventually win, the legal costs alone can be devastating without coverage.
I only do this part-time. Do I really need this?
If you're getting paid for services, the liability exposure exists regardless of how many hours you work. One session, one claim. That's all it takes. Part-time income doesn't mean part-time risk.
How fast can I actually get covered?
Many professionals can get a quote and proof of insurance quickly through the online application. No phone screenings, no waiting for a callback, no lengthy approval process.
What if I work at multiple locations or online?
Coverage designed for independent professionals follows you. Whether you're coaching at a gym, training clients at home, or working with clients online, the coverage travels with the work.
Find out if your side hustle is actually protected before something goes wrong. Takes a few minutes. Could save you everything.