Cyber insurance for freelancers

Hacking, phishing, system failure - more and more people are facing cyber problems. So do freelancers. Fortunately, cyber insurance is there to help them. From First Response aid, to cost coverage, to protecting their reputation.


Cyber insurance, it sounds like it’s very high-tech or only for high-tech freelancers, but that’s not quite true. You can think of cyber insurance a bit like a digital roadside assistance. Does a freelancer have a cyber problem or do they become a victim of cybercrime? Then this insurance ensures that all necessary help is called in to solve it, and covers (part of) the costs.


The First Response team: like digital roadside assistance

In addition to reimbursing expenses and damages, this cyber insurance also focuses on helping freelancers when they’re in trouble. The First Response team is there for them 24 hours a day.

And it’s not just in the case of cybercrime that they are ready. Even if a freelancer’s work stops due to system failure, the team is ready to help them get back to work quickly.


Technology and the internet still play an ever-increasing role in people’s daily and professional lives. Freelancers are no exception. To make it more tangible: there are more mobile connections and phones in use worldwide than there are people.

We’re increasingly dependent on our technology, and data plays an ever-growing role. Unfortunately, cybercriminals are very aware of that. In the first six months of 2021 alone, there was a total of € 22.6 million in damage from phishing and bank helpdesk fraud alone, in just The Netherlands.

Malware, phishing and other cyber attacks don’t just only affect larger institutions. Anyone can be targeted, including freelancers. About 25% of freelancers fall victim to cybercrime in one way or another. At times like that, it’s nice to have a team of experts ready to solve the problem, and reimburse (some of) the costs.

Their choice: business interruption also covered.

A cyber problem often leads to many additional costs: think of the team of experts needed to solve it, possible damage to clients or others, PR costs to protect their image. We could go on and on.

But the problem is that cybercrime not only generates costs, but also leaves freelancers temporarily unable to work, so they miss out on income too. Freelancers face double costs.

That’s why, as an option, this cyber insurance also covers the damage a freelancer suffers themselves as a result of their business shutting down. Think of costs like lost gross profits, and the cost of renting replacement equipment while the problem is fixed.

Covered yes/no.

Here’s an overview of what is and isn’t covered by cyber 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.

  • 24/7 assistance from the First Response team
  • Cyber incidents (network security and privacy incidents)
  • Liability for others' damages
  • Scams and manipulation, such as phishing
  • (Defense against) fines from regulators
  • Cyber extortion
  • Notification costs in the event of a data breach
  • PR costs to protect your reputation
  • Optional: business interruption
  • General infrastructure, such as power
  • Damage due to a new process, device or program
  • Intervention by the (semi) government
  • Deliberate recklessness
  • Incorrect payment instructions or orders
  • Illegal software and data
  • Personal data from outside the EU, EEA or UK
  • Violation of patents
  • Business interruption: interruption at you or your providers beyond your control, e.g. a major power outage

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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