If you freelance, you run the risk of getting sued (even using marketplaces). I have an Umbrella policy which covers up to $1,000,000 in a law suit. It is cheap, only $26 a month which I pay in full for the year which provides a discount. Not only does it cover my freelance work, it covers everything personal such as my home (IE: someone fell at my house and attempted to sue and homeowners insurance wouldn't cover it).
Do you have personal insurance? Do you think personal insurance as a freelancer is needed?