Ask Do freelancers need to worry about insurance or legal liability from day one?

Most people starting out in freelancing focus on getting clients and do not think much about insurance or legal protection until something goes wrong. But depending on the type of work you do, a single unhappy client could create a real financial problem without any cover in place. Some freelancers use contracts alone while others also get professional liability coverage. Did you think about insurance when you first started, and at what point did you decide it was something worth looking into?
 

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