Insurance clause for freelancers
An insurance clause: what professional liability or public liability cover you hold, and whether the client can ask for proof.
Insurance clause: copy and adapt
The Provider will maintain professional indemnity insurance with cover of at least [amount] per claim for the duration of this agreement and for [1] year after, and will provide a certificate of insurance on request. The Provider's liability under this agreement is limited as set out in the limitation of liability clause, regardless of the insurance held.
When to use it
When the client requires it (common with larger companies), or when you hold cover and want to reassure a hesitant client.
Variants by trade
Events and on-site work
The Provider holds public liability insurance of at least [amount] and will name the venue as an additional insured where required.
No insurance
The Provider does not hold professional indemnity insurance. The Client has taken this into account in agreeing the fee and the limitation of liability.
Frequently asked questions
Do freelancers need professional indemnity insurance?
Not legally in most trades, but some clients require it. It covers claims that your advice or work caused a client a loss.
Does insurance increase my liability?
It shouldn't. The clause keeps your liability cap independent of the cover you hold.
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These clauses are general templates, not legal advice. Laws vary by country and state; for high-value or unusual deals, have a lawyer review your contract.
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