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InsuranceBee (www.insurancebee.com) provides coverage to freelancers and independent consulting firms.

As a freelancer or business owner, staying competitive comes with plenty of challenges and risks. There are lawsuits and unexpected damages because of which you might have to shut down your business; thus, a reliable insurance partner can make all the difference.
InsuranceBee has made its mark as the best provider for freelancers, consultants, and small businesses. But will it be the right choice for you?

What Is InsuranceBee and Who Is It For?

InsuranceBee focuses on the needs of freelancers, independent consultants, and small businesses. Traditional brokers often don’t understand the unique requirements of these professionals. InsuranceBee takes complete control of this by providing flexible and reasonable coverage specifically for these industries

If you run a small consultancy firm or provide creative services, InsuranceBee’s goal is to protect your business from liability claims and all kinds of unexpected hurdles.

Quick Overview

InsuranceBee emerged in 2010 (14 years ago). The founders wanted to help small business owners get liability insurance without hassle. Acquiring liability insurance used to be a very painstakingly difficult process before InsuranceBee went public with its services.

Now, InsuranceBee offers specialized insurance services with the unique needs of freelance industry veterans in mind. Independent contractors and small consulting firms can utilize the services of InsuranceBee when traditional insurance brokers and insurance providers fail to consider their unique requirements. They offer wide-ranging services, such as:

• Making a claim
• Changing your coverage
• Getting new  policy documents
• Changing company name or address
• Adding extra insureds or certificate holders

Moreover, they have customer service representatives available to respond to your queries from Monday to Friday (9 AM to 5 PM). Offering customized coverage, InsuranceBee offers you zero-obligation, charge-free quotes, along with services by local, licensed agents. You can also benefit from your Knowledge Hub, which basically has blogs published on its website to educate and empower its policyholders.

Company Snapshot

InsuranceBee provides its unique services in all but 11 states. The states where you cannot avail of InsuranceBee’s services include the following:

• Alaska
• Hawaii
• Montana
• Wyoming
• North Dakota
• South Dakota
• Kentucky
• West Virginia
• Delaware
• Vermont
• Maine

Contact Information

If you want to get in touch with InsuranceBee, here’s their contact information:

• Website: www.insurancebee.com
• Email: contactus@insurancebee.com
• Fax: 1.888.217.5785
• Phone: 978.344.4215
• Address: InsuranceBee Inc, 2 Mill and Main Place, Suite 425, Maynard, MA, 01754

You can reach them anytime between 9 in the morning and 5 in the evening (ET) 5 days of the week. They’re not available on weekends, but you can still use their offline services.

How InsuranceBee Works – Easy Coverage for Small Businesses

Founded in 2010, InsuranceBee set out to simplify business insurance. Today, it offers a streamlined digital experience with services like:

• Filing claims
  
  
• Changing coverage limits or policy details
  
  
• Updating company information
  
  
• Adding insured parties or certificate holders

Their licensed agents are available Monday through Friday, 9 AM to 5 PM (ET), ready to answer questions and guide you through the process. The platform also includes a Knowledge Hub with helpful blogs to educate policyholders.

How to Reach InsuranceBee

InsuranceBee provides business insurance across most of the U.S., making it a convenient option for freelancers, independent consultants, and small businesses. They are not available in Alaska, Hawaii, Montana, Wyoming, North Dakota, South Dakota, Kentucky, West Virginia, Delaware, Vermont, or Maine.

Visit our Website for quotes, manage policies, and learn more about their coverage.

You can also email us at contactus@insurancebee.com for questions, policy updates, or support.

Phone: 978.344.4215
Fax: 1.888.217.5785 – Send documents or policy updates securely.

Office Address: 2 Mill and Main Place, Suite 425, Maynard, MA, 01754 – Visit or mail documents if needed.

Types of Business Insurance Offered by InsuranceBee

InsuranceBee provides seven main insurance types tailored to small businesses and freelancers. Insurers using AI-driven personalization see 5–15% higher revenue and 10–30% lower costs, while 78% of executives say real-time data is key to better service. This focus helps InsuranceBee deliver coverage that’s both efficient and customized.

Professional Liability (E&O)

This coverage helps protect you if a client claims you made a mistake, missed something important, or gave advice that led to a loss. It’s ideal for freelancers and consultants who provide services where errors can happen.

General Liability

Covers accidents like a customer slipping in your store or damage to someone else’s property. It’s a must-have for small businesses to avoid paying large out-of-pocket claims.

Business Owners’ Policy (BOP)

General liability and property coverage are merged into a single package. It helps small businesses protect their office, equipment, and daily operations while keeping insurance simple and efficient.

Cyber Insurance

Protects your business if sensitive client or company data is lost, stolen, or hacked. Essential for any business handling information online.

Workers’ Compensation

Covers medical expenses and lost wages when an employee gets hurt at work. It also shields your business from related legal claims.

Management Liability

Protects business owners from claims like wrongful termination, mismanagement, or mistakes in fiduciary duties. A must for anyone making important business decisions.

Commercial Bonds

Ensures your business meets its promises to clients or the state. Bonds build trust and protect your reputation in industries that require them.

Which Industries Can Use InsuranceBee?

InsuranceBee supports more than 100 industries. Some notable sectors include.

• Consultants and professional services
  
  
• Cleaning and janitorial businesses
  
  
• Landscaping and lawn care
  
  
• Mobile food vendors
  
  
• Real estate agents
  
  
• Artisan contractors and small retail shops

If you run a yoga studio, financial planning firm, or pet grooming service, InsuranceBee likely has coverage that fits your business.

Who Qualifies for InsuranceBee Coverage?

While InsuranceBee doesn’t list strict eligibility criteria, we can summarize:

• You must be a freelancer, independent contractor, or small business owner.
  
  
• Your business should be legally registered and compliant with local regulations.
  
  
• Certain policies require proof of experience or operational history in your industry.

These requirements ensure that InsuranceBee serves businesses that benefit most from tailored, flexible coverage.

How Much Does InsuranceBee Cost in 2025?

Exact pricing varies by business size and coverage, but here’s a general idea:

• Errors & Omissions Insurance: Starts around $270 annually, with $400/year typical for $1M coverage.
  
  
• Flexible payment plans are available, often divided into four quarterly installments.

Overall, InsuranceBee tends to be more affordable than many competitors, especially for small businesses and freelancers seeking specialized coverage.

Pros & Cons of Choosing InsuranceBee

Pros

• Tailored policies for freelancers and small businesses
  
  
• Quick claims process and responsive customer support
  
  
• Flexible, affordable coverage options
  
  
• Knowledge Hub provides educational resources

Cons

• Not available in all states
  
  
• Limited in-person agent support
  
  
• BBB accreditation is absent

Reviews & Ratings

InsuranceBee isn’t BBB-accredited; however, this professional liability insurance provider has been rated positively by other platforms, such as:

• Feefoo: 4.9/5 based on 2,200+ reviews

Frequently Asked Questions About InsuranceBee Coverage

Can I change my policy after purchase?

Yes. Coverage limits, deductibles, and policy details can be adjusted.

Can I cancel my policy?

Yes. One call is all it takes to cancel and pay only up to the effective cancellation date.

Can I insure a business outside the U.S.?

 No. For international coverage, contact InsuranceBee’s sister company, PolicyBee.

Can insurance agents sell on behalf of clients?

Yes. InsuranceBee offers a wholesaler program for agents to quote, bind, and send policy documents.

Is InsuranceBee Right for My Business?

For freelancers and small businesses looking for flexible, affordable, and easy-to-manage insurance, InsuranceBee delivers a tailored experience. With competitive pricing, fast claims, and coverage designed specifically for small operations, it’s a strong choice for independent professionals.

You can assess their offerings online. If something is still unclear, get in touch with us at Sophisticated Investor to learn how to get a reliable insurance partner. That’s how you can propel your business to new heights.