Business equipment insurance for freelancers

If the stuff freelancers use for their work are damaged or stolen, they're stuck with double trouble: they are left with the costs, and temporarily unable to do their work. With this insurance, they can quickly get back to work.


The name pretty much speaks for itself – with business equipment insurance, business items are covered in case of damage and theft. These are items that a freelancer works with on a daily basis, such as instruments, gear or tools.


Difference with business contents or inventory insurance

In a nutshell, this business equipment insurance offers coverage in more places than an average freelancer inventory insurance. This is because those insurances usually assume there’s an office, shop and/or home office. Their coverage is based on only offering coverage in that place, sometimes including a temporary, limited coverage in some other places.

But many freelancers are often on the road, with clients, or working in co-working spaces. Business equipment insurance is tailored to this flexibility, with cover that travels with the freelancers – even abroad.



Freelancers often need specific equipment to carry out their profession, like an expensive laptop, tools, or a treatment table. If these items break down or get stolen, freelancers have high costs and cannot do their work. With business equipment insurance, they will be compensated for their damage, and in the meantime they can rent replacement equipment. So they can continue working in peace.


Why private contents insurance isn’t enough

Private contents insurance often does not cover damage to professional belongings. And if it does provide coverage, it’s only if the damage happens while at home. This business equipment insurance also provides coverage while on the road and abroad.

Covered yes/no.

Here’s an overview of what is and isn’t covered by business equipment insurance.


We believe that insurance has to fit like a glove. Contact our sales team to discuss how we can tailor insurance to your freelancers.

  • Burglary, extortion or robbery
  • Theft from your means of transport
  • Damage beyond your control, e.g. vandalism, fire, clumsiness, collision or precipitation.
  • Damage due to own faults, to items newer than 3 years old
  • Hiring temporary replacement equipment
  • Damage in transit due to fire, robbery, accidents, or falls during loading and unloading
  • Break-in without traces of forced entry
  • Damage to data and software
  • Damage to vehicles
  • Gradual deterioration
  • Costs for accelerated replacement or repair
  • Repair by manufacturer or supplier
  • Intent, carelessness and overloading

Always a fitting solution for your freelancers.

Every freelancer and platform is different – that’s why Alicia has different insurance solutions. We make sure there’s always one that fits your platform.


Ultra-flexible insurance that truly fits freelancers. Fitting coverage that’s purchased online in less than 4 minutes and active the next day, with the ability to cancel daily.


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The tailor-made, all-in-one solution. Differentiate your platform by ensuring all your freelancers are automatically insured, or enable them to become Alicia members.


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