{"id":6969,"date":"2017-11-02T16:50:29","date_gmt":"2017-11-02T16:50:29","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2017\/11\/02\/working-without-a-net-protecting-yourself-in-the-freelance-economy\/"},"modified":"2025-11-03T10:19:04","modified_gmt":"2025-11-03T15:19:04","slug":"health-insurance-for-freelances","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/health-insurance-for-freelances","title":{"rendered":"Working Without a Net: Protecting Yourself in the Freelance Economy"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Working Without a Net: Protecting Yourself in the Freelance Economy<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2017-11-02T16:50:29-04:00\">November 2, 2017<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">3 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\"><\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-line-of-business_402x-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A man looking at his phone and smiling.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-line-of-business_402x-2.jpg 930w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-line-of-business_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-line-of-business_402x-2.jpg?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-line-of-business_402x-2.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Working Without a Net: Protecting Yourself in the Freelance Economy &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/health-insurance-for-freelances\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/health-insurance-for-freelances\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Consider a Rainy Day Fund<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-consider-a-rainy-day-fund\">Consider a Rainy Day Fund<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-protecting-yourself\">Protecting Yourself<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-finding-work-as-a-freelancer\">Finding Work as a Freelancer<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-looking-to-cover-your-bills-if-you-ever-get-sick-or-injured-and-cant-work\">Looking to Cover Your Bills if You Ever Get Sick or Injured and Can&#039;t Work?<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>In Canada, approximately 1.9 million people are classified as <a href=\"https:\/\/www5.statcan.gc.ca\/cansim\/a26?lang=eng&amp;retrLang=eng&amp;id=2820012&amp;&amp;pattern=&amp;stByVal=1&amp;p1=1&amp;p2=37&amp;tabMode=dataTable&amp;csid=\" target=\"_blank\" rel=\"noopener noreferrer\">self-employed<\/a> and another 2.3 million people are classified as <a href=\"https:\/\/www.statcan.gc.ca\/tables-tableaux\/sum-som\/l01\/cst01\/labr69a-eng.htm\" target=\"_blank\" rel=\"noopener noreferrer\">temporary employees<\/a>.<\/p>\n<p>Freelancing can be an attractive option because of the flexibility and independence it may offer; however, for some the potential uncertainties of steady work and need for benefits could outweigh the mobility freelancing provides.<\/p>\n<p>Whether you&#8217;re a recent graduate or a seasoned professional, there are some things to consider before plunging headfirst into freelancing.<\/p>\n<h4 id=\"h-consider-a-rainy-day-fund\">Consider a Rainy Day Fund<\/h4>\n<p>No matter your age, having a rainy day fund of at least three months&#8217; worth of income can help cover basic living expenses or unexpected medical costs.<\/p>\n<p>Traditional employment \u2014 a steady, salaried position at a firm \u2014 usually provides a safety net in the form of group insurance plans, severance pay and other employee benefits. Choosing to work as a freelancer can mean not having access to company programs, so it&#8217;s important to plan ahead to protect yourself and your assets.<\/p>\n<p>Putting money aside for unexpected expenses like dental appointments, medical examinations or prescription drugs, may help to provide peace of mind in-between gigs.<\/p>\n<h4 id=\"h-protecting-yourself\">Protecting Yourself<\/h4>\n<p>In addition to a rainy day fund, health and creditor insurance plans may help you weather temporary disruptions to your work. For example:<\/p>\n<ul class=\"disc-list\">\n<li><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/?ref=dl-104638\">Disability insurance<\/a> can replace your income if accident, injury or illness (including mental illness) keeps you off work. It can also provide benefit and premium options to match your occupation and income level, and supplement the gaps left by CPP and QPP benefits.<\/li>\n<li><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/?ref=dl-104638\">Critical illness insurance<\/a> can provide much needed funds if you are diagnosed with a condition like cancer, heart attack or other critical illnesses. Buying a policy when you&#8217;re younger, and potentially healthier, makes it more affordable.<\/li>\n<li><a href=\"https:\/\/www.rbcinsurance.com\/loan-mortgage-credit-protection\/index.html?ref=dl-104638\">Creditor insurance<\/a> can provide financial protection for your credit card, loan, or mortgage should the unexpected happen.<\/li>\n<\/ul>\n<h4 id=\"h-finding-work-as-a-freelancer\">Finding Work as a Freelancer<\/h4>\n<p>Recent studies have shown that the most successful freelancers are those who leverage traditional work and use past experience to establish credibility. But many young people entering the workforce have limited work experience, making freelancing potentially their only source of income.<\/p>\n<p>[quote-callout content=&#8221;Gone are the days where the work structure looks like a hierarchy; I think it&#8217;s more of a puzzle or a network where you need to bring in the right expertise at the right time.&#8221; display=&#8221;all&#8221; position=&#8221;right&#8221;]<\/p>\n<p>Michael Carter, CEO and co-founder of <a href=\"https:\/\/www.kahuso.com\/ca\/\" target=\"_blank\" rel=\"noopener noreferrer\">Kahuso<\/a> a platform for senior executives looking for freelance positions, predicts the rise of freelancers will occur at every level of organizations. \u201cI think companies fundamentally have to learn how to access great talent and not to own it. Gone are the days where the work structure looks like a hierarchy; I think it&#8217;s more of a puzzle or a network where you need to bring in the right expertise at the right time.&#8221;<\/p>\n<p>The pace at which business is evolving suggests freelancing and contract work may continue to play a significant role in the future economy. To stay afloat, smart freelancers can take measures, including rainy day funds and adequate insurance, to help mitigate the ups and downs in the ever-changing world of work.<\/p>\n<h4 id=\"h-looking-to-cover-your-bills-if-you-ever-get-sick-or-injured-and-cant-work\">Looking to Cover Your Bills if You Ever Get Sick or Injured and Can&#8217;t Work?<\/h4>\n<ul class=\"disc-list\">\n<li>Learn more about <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/?ref=dl-104638\">disability insurance<\/a><\/li>\n<li><a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/\" target=\"_blank\" rel=\"noopener noreferrer\">Find an advisor<\/a> near you<\/li>\n<li>Call <b>1-866-262-7920<\/b><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-disability-insurance\">RBC Disability Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Help ensure your expenses are covered if you get sick or injured<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-285-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-7925e47a-fca7-44bb-9238-338bbe690014 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-7925e47a-fca7-44bb-9238-338bbe690014 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-7925e47a-fca7-44bb-9238-338bbe690014\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><\/p>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Whether you&#8217;re a recent graduate or a seasoned professional, here are some things to consider before plunging into the world of freelance.<\/p>\n","protected":false},"author":90,"featured_media":6982,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46],"tags":[21,6],"article-type":[80],"ppma_author":[],"class_list":["post-6969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-managing-money","tag-work-life","article-type-advice-learning"],"pp_force_visibility":null,"pp_subpost_visibility":null,"pp_inherited_force_visibility":null,"pp_inherited_subpost_visibility":null,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Working Without a Net: Protecting Yourself in the Freelance Economy | RBC Insurance<\/title>\n<meta name=\"description\" content=\"\u00a0Whether you are a recent 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