Cyber exposure for freelancers is mostly borrowed: it comes from the client data, credentials, and systems you touch. A compromised laptop or phished login that leads to a client breach can produce claims far larger than a solo business — which is why clients increasingly require vendors with system access to carry cyber coverage.
Educational guide, last reviewed July 30, 2026. Not insurance advice. Policy wording controls what is covered. See the GigCoverCalc methodology and consult a licensed insurance professional before making coverage decisions.