GigCoverCalc is a free educational tool that helps freelancers, gig workers, and independent contractors see which types of insurance may be worth considering — and what they could cost. Results are broad educational ranges, not quotes or determinations of coverage. Nothing on this site is insurance advice.
Answer a few questions about your work, business activities, location, revenue, and current coverage. Receive a personalized educational Insurance Snapshot with potential coverage categories to review, broad benchmark cost ranges, confidence levels, and practical next steps. Answers are processed in your browser and never stored on our servers.
Do freelancers generally need General Liability insurance? Many freelancers benefit from GL coverage, though the need varies by profession, client requirements, and the nature of the work. Clients often require proof of GL before signing contracts.
Does personal auto insurance typically cover gig driving? Many personal auto policies limit or exclude coverage for commercial use. Review your policy terms and speak with your insurer about your specific situation.
How do independent contractors typically get health insurance? ACA Marketplace plans, a spouse's employer plan, and professional association group rates are common options. Marketplace subsidies frequently reduce premiums.
Statistics: Nearly a quarter (~25%) of gig workers report lacking health insurance (Stride Health survey via Healthcare Dive, 2022). 64 million Americans did freelance work in 2023 (Upwork Freelance Forward study, Dec 2023).
Calculator methodology last reviewed July 30, 2026. See the full methodology for data sources, adjustments, and limitations.