Independent contractors

An additional insured is a business, individual, or other entity included in a general liability policy in addition to the named insured. Additional insureds are typically covered only during a loss claim that directly affects them.

Large companies aren't the only ones vulnerable to lawsuits and other unplanned expenses. Tech freelancers face the same business risks.

As an independent contractor, general liability insurance might not top your list of priorities. But when something goes wrong, it can protect you from expensive legal costs.

When you have vicarious liability for something, it means you could be held legally responsible for any resulting harm even though you didn’t directly cause it. For example, a tech company could be held accountable for the actions of an employee.

A copyright protects your software from other people modifying and reselling it without permission, but it’s applied differently depending on whether you build software for your own company or for clients.

Companies of all sizes in the tech industry face the same basic business risks. Business insurance can help IT independent contractors protect themselves from liability.