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Tuesday, 16 September 2025

Cyber Insurance for Freelancers: Why I Finally Got Covered After a Scare

 As a freelance web developer, I never thought I’d be a target — until a client’s hacked database dragged me into legal trouble. This post explores why cyber insurance is now essential for solopreneurs and digital workers.

Subtopics & Answers:

  • What is cyber insurance and who needs it? It protects against data breaches, ransomware, and legal liabilities from digital threats.

  • What does a typical policy cover? Legal fees, data recovery, customer notification, and PR crisis management.

  • How I chose the right plan for my freelance business I compared providers based on coverage limits, exclusions, and premium costs.

  • Common cyber threats freelancers face Phishing, malware, client data leaks, and unsecured Wi-Fi risks.

  • How to improve your digital hygiene Use VPNs, strong passwords, and regular backups.

  • My experience with a claim and what I learned I share how my insurer helped me navigate legal threats and recover lost data.

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