4 ways gig workers can protect themselves from scams and lawsuits

Peterson recommends becoming well-versed in insurance options, including professional liability and personal accident insurance, which can financially protect a gig worker from a variety of work-related incidents. 

“Professional liability [insurance] is going to cover financial loss allegations that might come from their customers or their clients, arising from their professional service,” says Peterson. “General liability will cover bodily injury and property damage to third parties that may arise out of their general business operations — anything from tripping over a briefcase in a client’s office to someone running into their equipment. They should also be looking at personal accident insurance just in case they get hurt while on the job, as a way to protect themselves against medical costs.”