Digital Nomad / Remote Worker Insurance
Coverage considerations for digital nomads and remote workers who serve clients from coworking spaces, cafes, and locations on the move.
What this coverage is intended to address
- ✓Portable professional liability insurance and Errors & Omissions (E&O) insurance are generally intended to respond when a client alleges that your work product or advice caused them a loss.
- ✓General liability that follows you to coworking spaces and client sites is generally intended to respond to third-party bodily injury or property damage in those settings.
- ✓Defense costs that may be associated with a covered claim arising from your services, wherever you happen to be working.
Coverage products commonly considered
Most digital nomad / remote worker operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A client alleges that deliverables you produced remotely contained an error that cost them a contract; professional liability / E&O insurance is generally intended to respond to a covered claim of this type.
- While working from a coworking space, you knock over and damage another member's equipment; general liability insurance is generally intended to respond in the event of a covered claim.
Frequently asked questions
Does my coverage follow me as I move between locations?
Portable professional liability insurance and Errors & Omissions (E&O) insurance are generally intended to respond to service-error claims regardless of where the work was performed, and general liability is generally intended to follow you to coworking spaces and client sites. A licensed insurance professional can confirm the territory that applies to you.
Why would a remote worker need general liability at all?
Because in-person moments still happen, from coworking desks to client visits, where third-party injury or property damage can occur. General liability is generally intended to respond in the event of a covered claim. A licensed insurance professional can help you scope it.
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