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Why do virtual assistants need business insurance?
It may seem a low-risk enterprise, but even virtual work has its risks. From an injury at your home office to a lawsuit over a missed deadline, business insurance for administrative assistants protects against common risks that could severely impact your home business.
Find the right coverage
Insureon helps virtual assistants find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of insurance do virtual assistants need?
These insurance policies cover the most common risks for virtual assistants.
Business owner's policy
A BOP is an affordable way for virtual assistants to buy general liability coverage and commercial property insurance together. Small, low-risk businesses are usually eligible.
BEST FOR
- Customer injuries
- Customer property damage
- Stolen or damaged business property
General liability insurance
This policy covers common third-party risks, such as a delivery person slipping on an icy step at your home. Bundle it with commercial property insurance in a business owner's policy for savings.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and other advertising injuries
Professional liability insurance
This policy can cover work mistakes and oversights, such as a personal assistant missing a deadline for a social media post. It's also called errors and omissions insurance (E&O).
BEST FOR
- Work errors and oversights
- Missed deadlines
- Failure to provide promised services
Workers’ compensation insurance
Most states require workers' comp for virtual assistant companies with employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance covers financial losses when a virtual assistant's vehicle is involved in an accident. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps virtual assistants recover from data breaches and cyberattacks. It's strongly recommended for any business that handles credit card numbers or other personal information.
BEST FOR
- Customer notification costs
- Data breach investigations
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does insurance cost for virtual assistants?
A virtual assistant who works as a freelancer will pay less for insurance than a larger business.
Factors that affect premiums include:
- Professional services offered, such as data entry or administrative tasks
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get virtual assistant insurance?
It's easy to get virtual assistant business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your virtual assistant services, whether you work independently or hire employees.
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