Last updated: October 2, 2026
Not professional advice
OwnWork HQ publishes general information about insurance, taxes, business structures, retirement accounts and financial products for freelancers. We are not licensed insurance agents, tax advisors, CPAs, attorneys or financial advisors, and nothing on this Site is personalized advice. Your situation is unique: consult a qualified, licensed professional before making decisions.
Accuracy and timeliness
Tax rules, contribution limits, insurance prices, product features and credit card offers change often. We cite our sources and date our articles, but information may be outdated by the time you read it. Always confirm details with the IRS, your state, the insurer or the provider.
Calculators and templates
Our calculators provide estimates based on simplified assumptions and published figures. Our invoice and contract templates are general starting points, not legal documents tailored to you. Results and templates should be reviewed with a professional where appropriate.
Insurance information
OwnWork HQ does not sell, solicit or negotiate insurance. Prices mentioned are published medians or averages from third parties and are not quotes. Coverage depends on the specific policy wording, insurer and state.
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Questions
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