Working as an independent contractor—whether you are a graphic designer, a handyman, a consultant, or a cleaning specialist—gives you wonderful freedom. However, it also places 100% of the financial and legal responsibility squarely on your shoulders.
Why Clients Are Demanding Certificates of Insurance (COI)
More and more corporate clients and general contractors will refuse to sign a contract with an independent provider unless you can present a Certificate of Insurance (COI) proving you have active General Liability coverage.
What Happens If You Go Without Insurance?
If an accident happens on the job—such as a ladder damaging a client’s wall or expensive equipment being dropped—you could face a personal lawsuit that threatens your personal savings and assets. General liability insurance absorbs that risk so you can work with total peace of mind.
Affordable Protection for Solo Operators
For most independent contractors, general liability policies are surprisingly affordable, often starting as low as **$30 to $45 per month**. Comparing options online helps you secure the required certificate quickly without overpaying.
