A professional desk with a binder labeled “Insurance & Risk Shield — Hub” and a laptop screen listing Parts 1–6 (What You Need, Policy Comparison, COI, 72-Hour Response, Income Protection, Renewal), symbolizing a central index of freelancer insurance guides

Insurance & Risk Shield for Global Freelancers — Hub (Parts 1–6)

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This hub collects the first six guides of our Insurance & Risk Shield series built for solo operators and one-person agencies working across borders. Start here, then move through each article in order. You’ll learn exactly what to buy, how to read policies like a broker, how to pass vendor insurance checks, how to run a reimbursable cyber response, how to protect personal cash flow, and how to renew on better terms.

How to use this page:

  1. Read Part 1 to identify your minimum effective stack.
  2. Jump to the part that matches your immediate roadblock (policy comparison, COI, incident response, income protection, or renewal).
  3. Finish with Part 6, then grab the Bonus “Ops Vault” (Part 7) to put everything on autopilot.

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Part 1 — What You Actually Need (No fluff, just the right cover)
Build a minimum effective insurance stack for global freelancers: PI/E&O (Tech E&O), Cyber (incl. business interruption), Media, GL, Travel Medical/Evac, and Income Protection. Includes territory/jurisdiction checks, a coverage-gap checklist, and broker quote scripts.
Link: https://yourdomain.com/insurance-risk-shield/part-1/

Part 2 — Pick Global Policies Like a Broker (Read, Compare, Redline, Win)
Read policies the way brokers do: claims-made vs occurrence, retroactive dates, worldwide jurisdiction, defense inside vs outside limits, exclusions and sub-limits, and must-have endorsements. Includes a Policy Comparison Worksheet and copy-paste redlines.
Link: https://yourdomain.com/insurance-risk-shield/part-2/

Part 3 — Client-Mandated Insurance & Certificates (COI) Without Tears
Pass vendor insurance in 24 hours. Crosswalk client requirements to your policies, request AI/PNC/Waiver endorsements, show retro dates, lock jurisdiction, and ship compliant COIs with ready-to-send broker emails and reusable COI variants.
Link: https://yourdomain.com/insurance-risk-shield/part-3/

Part 4 — Cyber Incidents & Claims Playbook: 72-Hour Response
Contain, notify, restore, and document a reimbursable claim. Insurer-aligned steps: panel forensics/legal, ransomware decision tree, BI ledger, claims diary, and counsel-ready communications kits.
Link: https://yourdomain.com/insurance-risk-shield/part-4/

Part 5 — Income Protection & Disability for Solo Operators
Keep the lights on when you can’t work: Own-Occupation vs Any-Occupation, Residual/Partial benefits, waiting and benefit periods, BOE for fixed business costs, and worldwide claim logistics. Includes quote worksheets and broker scripts.
Link: https://yourdomain.com/insurance-risk-shield/part-5/

Part 6 — Annual Renewal & Broker Negotiation (Pay Less, Get Better Terms)
Protect retro dates, fix silent traps, and lower total cost of risk. D-60 timeline, loss runs, endorsement upgrades (jurisdiction, prior acts, defense outside limits, social engineering, dependent BI), a renewal comparison grid, and negotiation scripts.
Link: https://yourdomain.com/insurance-risk-shield/part-6/

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Next up — Bonus Part 7: The Insurance Ops Vault (Don’t skip this)
This is the download kit that turns six guides into a working system: Policy Vault structure, Services & Controls fact sheet, Renewal Comparison Grid, broker email pack, COI variants, Claims Diary, BI Ledger, and a 12-month ops checklist. If you skip it, you’ll rebuild these tools from scratch; read it and you’ll run your insurance operations on autopilot.
Preview: https://yourdomain.com/insurance-risk-shield/part-7/

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