Self-employed insurance - Individual insurance for the entrepreneur

Self-employment can offer many advantages, but it's not without risk. Independent business owners don't have the reassurance of a regular pay cheque or the protection of a group benefits package . As a sole proprietor, you're responsible for individual insurance coverage - both self-employed insurance as well as health benefits.

Some self-employed/independent business owners assume that their home insurance policy offers sufficient business protection, but this assumption is not correct. Home insurance may not have adequate coverage to replace your physical assets and definitely doesn't offer liability coverage.

Individual insurance coverage in Alberta is available and affordable

Self-employed business insurance must include coverage for your most important assets. Here are several components to consider for individual insurance plans:

• Business property insurance - coverage for stock, samples, supplies, computers, software - everything essential for running your business.
• Liability coverage - to protect you against third party liability claims.
• Product liability may also be necessary depending on the nature of your business.
• Professional liability coverage - will cover you against wrongful acts, including coverage for both defence costs and liability claims.
• Self-employed health insurance - a comprehensive self-employed insurance package should include disability , life insurance , and self-employed health insurance.

Comprehensive individual insurance plans for the self-employed

At HDF Insurance, we want to see our self-employed clients succeed and prosper. By offering individual insurance coverage, we hope to give you the tools and peace-of-mind you need to enjoy the freedom you have earned by working for yourself.

Located in Edmonton, Alberta, we are an independent insurance brokerage caring for the insurance needs of clients throughout Alberta. Don't take your future for granted. Contact us soon to discuss your self-employed insurance requirements.