Consultants & Freelancers

Eligible Operations

  • AV Installation
  • Car AV Installation
  • Classroom Instruction
  • Computer Programming
  • Computer Repair
  • Consultants (except financial, legal, insurance)
  • Creative Directors
  • Graphic Designers
  • House Sitting
  • Interior Decorating
  • IT Consultants
  • Personal Shoppers
  • Phone Repair
  • Photography & Videography (No Drones)
  • Sound Recordists
  • Web Developers
  • Web Site Designers
  • Writers

Ineligible Operations

  • Adult Film Operations
  • Alarm System Monitoring

  • Any acts or services performed by an unlicensed or uncertified insured if such licensing or certification is required by law
  • Babysitters and Nannies

  • Bouncers 

  • Business Consultants

  • Elderly Care 
  • Financial Planners
  • Home Health Care
  • Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
  • Inspectors 
  • Investment Advisors
  • Lifeguards 
  • Mortgage Bankers or Investment Bankers
  • Registered Representatives or Brokers/Dealers of Securities or Commodities
  • Rideshare Drivers 
  • Roadside Assistance
  • Security Guards 
  • Traffic Control
  • Training or Instruction Demonstrated on Real Patients 
  • Work performed before or after the policy period


Add-ons must be individually added to a policy.

Sign Installation
Performing work over three stories in height (30 feet).