E&O Insurance for Freelance Drafters
Freelance and independent contract drafters face the same professional liability risks as large firms — but carry them personally. A single client dispute can wipe out years of earnings without proper E&O coverage.
Why Freelancers Need Separate E&O
When you work as a W-2 employee, your employer's professional liability policy typically covers you while performing your duties. But as a freelancer or 1099 contractor, you are your own employer — you need your own policy.
Many freelance clients will require a Certificate of Insurance showing your own E&O coverage before signing a contract. This is increasingly standard in AEC (Architecture, Engineering, Construction) and manufacturing sectors.
Common Freelance Drafter Claims
Specification Error
Client claims your HVAC drawing specs were incorrect, causing a failed inspection and $18,000 in rework. Your E&O covers the claim.
Late Delivery
You miss a deadline, triggering a penalty clause in the client's GC contract. E&O covers the contractual liability for consequential losses.
Revision Dispute
Client insists you were given updated specs you never received. Without E&O, you pay legal defense out of pocket — even to win.
Design Standard Issue
Drawing didn't meet a local code standard you weren't aware of. Contractor must redo work. E&O pays to resolve the claim.
Get Covered as a Freelance Drafter
E&O for solo drafters from $30/month. Quick online application — coverage starts same day.
Get Freelancer E&O Quote