Why You Should Trust Us
Investopedia launched in 1999 and has helped readers find the best independent contractor insurance since 2020. Our unbiased, in-depth reviews are based on thorough research into each insurance company to help you make informed decisions for your business.
How We Chose the Best Independent Contractor Insurance Companies
To find the best independent contractor insurers, we first researched industry data, market share, and customer search trends to pinpoint key features and top insurance providers. We evaluated 16 companies across 31 criteria, sorted into six categories. We conducted the research between April 1 and April 15, 2025.
Our research included financial strength ratings from AM Best and complaint data from the National Association of Insurance Commissioners. We also looked at coverage types, coverage limits, and digital features.
We ranked each company according to the following categories and weights:
- Plan types: 34%
- Customer complaints: 20%
- Financial strength: 20%
- Coverage limits: 14%
- Digital features: 8%
- Discounts: 4%
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