Besides Health Insurance, What Insurance Do Freelancers Need?
The Californer/10312920

LOS ANGELES - Californer -- (Link to full article at the end)
Most freelancers and contractors do not have all the insurance protection they need. Health insurance is not the only type of insurance that freelancers and contract workers need to buy. Being self-employed means having to worry about types of losses an employer would normally take care of. For instance, you may be uninsured by using a personal insurance policy for a car used for business purposes or you store inventory in the home or at a storage facility without adequate coverage. Even photographers and other types of creatives have business equipment worth hundreds or thousands of dollars. Let's look a little deeper at some common types of business insurance that may be necessary for the type of work you do.

Personal Car Insurance vs Commercial Car Insurance
If you're not sure if the usage of your car falls under personal or commercial insurance, look into it before you find out you're not covered adequately. There is a gray area where certain accidents fall but for the most part, if you're using your car regularly to travel to various job sites, transport goods or tools and equipment, conduct open houses, deliver food or shuttle people to appointments and to run errands, you may need commercial car insurance or at least a rideshare endorsement.

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If your business owns the vehicle, you must buy commercial auto insurance. Self-employed individuals may or may not need commercial auto, depending on how they use the car. A regular commute does not require a commercial policy, which is usually more expensive than a personal-use car insurance policy. [1]

For example:

A graphic designer who works on-site regularly does not need commercial auto for the commute.

A realtor who visits various homes to attend open houses will need a commercial auto insurance policy.

Rideshare Insurance for Gig Workers
Uber encourages its employees to use their own commercial policy, however, Uber-Eats, Postmates or Doordash drivers and Uber or Lyft drivers do not... (continued)

full article here: https://smartfinancial.com/contractor-insurance