Starting out as a freelancer is a fun and exciting rush. All the gear you need is shiny, brand-new, and ready to go. Why do You Need to Get Insurance? The truth is, no matter how well you earn, as a freelancer you won’t have many of the perks regular employees do. One of those perks, though we don’t always realize it, is insurance. This complete guide to insurance for freelancers will help you navigate what you might need to keep you, your family, and your business safe.