Freelance indemnity insurance is one annual policy covering all the professional work you do, not a separate arrangement per client. What makes it work is declaring the activities accurately and keeping it running, because it responds to claims made rather than to work done.
One policy, all clients
The policy covers professional work within the activities you declared, for whoever you did it for. There is no need to add clients, and no client is named on it. What clients receive is a certificate showing the insured, the cover, the limit and the period, which is what their procurement team files.
Declaring the activities
A freelancer who writes, edits and also advises has three activities, and insurers rate them differently. A claim arising from an activity the policy does not name is the commonest avoidable gap in freelance cover, and correcting it at inception costs nothing.
Why it must stay continuous
Cover responds to claims first made during the policy period, whenever the work was done. Cancelling during a quiet spell leaves everything you have ever delivered uninsured against a later claim. Where work genuinely stops, run off cover is the answer and it costs far less than the active policy.
Questions people ask about freelance indemnity insurance
Do I need a policy per client?
No. One annual policy covers all your professional work within the activities you declared.
What if I do several kinds of work?
Declare each one. Insurers rate activities differently and an undeclared activity may not be covered.
Can I pause it between contracts?
It is the common expensive mistake. Cover is claims made, so pausing leaves completed work exposed.