Insurance for Self-Employed Professionals and Business Owners in Stamford CT
One Team, One Plan, All Your Insurance
At Hagendoorn And Emond Insurance, we specialize in working with self-employed individuals, business owners, and entrepreneurs who want to manage their personal and professional insurance needs in one place. Our total account approach means we look at the big picture—your business, family, health, and future—and build coverage that fits your entire life, not just one piece of it.
We serve clients across Fairfield and Westchester Counties who are ready for clarity, coordination, and advice that saves time, not just money.
Who We Work With
We proudly support a wide range of self-employed and small business clients, including:
Consultants and freelancers (legal, marketing, IT)
Contractors, tradespeople, and
field-based professionals
Independent healthcare and wellness providers
Family-run businesses and startups
Professional service firms with small in-house teams
Whether you're insuring a second vehicle, a growing staff, or a long-term disability risk, we coordinate coverage so everything works together.
Why Self-Employed Clients Choose Us
Our clients don’t have time to chase multiple agents or wonder if their policies conflict. They choose us because:
We manage both personal and commercial insurance needs
We explain options clearly—without buzzwords or pressure
We build long-term relationships, not one-time quotes
We understand
Fairfield County’s business and lifestyle risks
We’re proactive about renewals, claims, and changes in your world
From Stamford to Darien, New Canaan to Greenwich, we're trusted by the people who run things—and need reliable protection behind them.
Frequently Asked Questions for Self-Employed Insurance Clients
Can I combine my business and personal insurance with one agency?
Yes. That’s what we do best. You’ll save time, reduce gaps, and work with one team that sees your full picture.
What insurance do I need if I’m a sole proprietor?
At minimum: general liability and health insurance. Depending on your work, you may also need auto, workers’ comp, or professional liability coverage.
Is umbrella insurance worth it if I own a business?
Often, yes—especially if you have significant assets or face public-facing risks. We help you compare options and coordinate with your base policies.
Can I deduct insurance costs as a business expense?
Most commercial policies are deductible. Health insurance may be as well. We’ll help you understand what’s standard and what to ask your accountant.
Do I need a certificate of insurance for freelance work?
Possibly. Many clients or venues require proof of general or professional liability. We issue COIs quickly upon request.