Changemaker Legal
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Need Insurance? The FRIENDS Characters Do Too.
Find out your Friends insurance personality with this quiz.
By Lia Totty, Communications Intern
February 6, 2025
Photo: GoodFon.com, goodfon.com/films/wallpaper-druzya-serial-komediya-sitkom-1906.html, modified, Public License
Which insurance policy is right for your small business or nonprofit? Don’t fret. Find out which Friends character you are and which insurance policies may meet your needs.
Disclaimer: We have provided an overview of common insurance types, but it is not an exhaustive list. The information provided is for educational purposes only and should not be relied upon when making insurance decisions. Consult with a licensed and qualified insurance broker to determine which insurance types are most appropriate for you and your business.
Let’s get into it! Click the box that best fits.
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Your FRIENDS Insurance Personality is...
Monica Geller!
You may want to consider Media Liability Insurance. This will allow you to offload some risk related to potential allegations of defamation, copyright infringement, factual errors, or plagiarism. As someone super Type-A, you know it’s best not to risk it.
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GoodFon.com, https://www.goodfon.com/films/wallpaper-movie-tv-series-friends-characters-artists.htmll, modified, Public License
Your FRIENDS Insurance Personality is...
GoodFon.com, https://www.goodfon.com/films/wallpaper-movie-tv-series-friends-characters-artists.htmll, modified, Public License
Rachel Green!
You may have been born with a silver spoon in your mouth, but you’re going to need to get savvy about insurance. You should consider the following:
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Business Owner Policy (BOP): This combines protection for major property and liability risks in one insurance package by bundling the following:
- Business Interruption Insurance: This replaces lost business income when a business needs to temporarily shut down, for example, due to a fire.
- Product Liability Insurance: This is designed to cover costs related to claims that a product caused injury to someone or damage to their property. Best to guard against any unfortunate wardrobe malfunctions.
- Commercial Property Insurance: This often covers the costs of damage, for example, due to fire or theft, to the business equipment or property.
- General Liability Coverage: This covers some costs of accidental injuries on the property and property damage.
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Employment Practices Liability Insurance: This covers some costs resulting from employment-related actions such as harassment, discrimination, and wrongful termination suits. Fashion can be a cut-throat industry, and you want to be prepared if any disputes turn legal.
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Workers’ Compensation Insurance: This pays employees’ medical expenses when they are hurt or sick due to their jobs by, for example, falling off a ladder while stocking merchandise.
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Employee Health Insurance: This is an employee benefit that pays for many employee medical expenses. This will help you recruit the best sales reps.
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Cyber Liability Insurance: This could cover costs related to cyberattack and data breach incidents. You’ll be holding onto customers’ credit card information, and you could face steep costs if that data ends up in the wrong hands.
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Your FRIENDS Insurance Personality is...
GoodFon.com, https://www.goodfon.com/films/wallpaper-movie-tv-series-friends-characters-artists.htmll, modified, Public License
Ross Geller!
If, like Ross, you’re looking to start a camp for minors, you may also want to purchase a Business Owner Policy (see Rachel’s section for more details) as well the other insurance types described below, some of which are required in certain jurisdictions:
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Disability Insurance: This covers lost wages due to injuries or sicknesses.
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Directors and Officers Liability Insurance: This generally covers directors and officers who are sued for their actions when carrying out their duties for the organization. Your directors and officers will want to see that you have this kind of insurance before they volunteer to oversee the camp.
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Commercial Auto Insurance: This is for the car repair and accident claim costs of vehicles used for camp purposes.
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Abuse and Molestation Liability Insurance: This could cover the costs of legal claims brought against you or your staff over allegations of child abuse or molestation. You’ll hire the best people and conduct extensive background checks, but it’s hard to prevent all potential human errors.
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Commercial Umbrella Insurance: This helps to pay claims that are outside of the limits of an underlying insurance policy. This kind of policy often covers the legal, medical, and property expenses related to such claims.
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Your FRIENDS Insurance Personality is...
Phoebe Buffay!
If you truly want to help people without creating significant risks for yourself, you should consider getting insurance, including the following:
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Professional Liability Insurance: This type of insurance helps professionals to cover expenses related to claims of negligence, malpractice, mistakes, or misrepresentations.
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Business Interruption Insurance: This generally replaces lost income when a business needs to temporarily shut down, for example, in the case of a global pandemic.
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GoodFon.com, https://www.goodfon.com/films/wallpaper-druzya-serial-komediya-sitkom-6316.html, modified, Public License
Your FRIENDS Insurance Personality is...
Joey Tribbiani!
You’re the guy everyone wants to be. But, without an employer, there’s no gig. That’s why this actor doesn’t need business insurance (personal insurance such as health insurance is still recommended). However, Joey, being the big star he thinks he is, recommends that his boss get Key Person Insurance for him.
Key Person Insurance is designed to safeguard vital employees’ financial value to a business by paying a benefit to the business if the insured person dies or is otherwise unable to continue work.
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GoodFon.com, https://www.goodfon.com/films/wallpaper-movie-tv-series-friends-characters-artists.htmll, modified, Public License
Your FRIENDS Insurance Personality is...
Chandler Bing!
With this kind of remote small business, it’s good to consider General Liability Insurance and Professional Liability Insurance. Chandler may also want Cyber Liability Insurance if he takes payments via credit card or handles other sensitive data. Workers’ Compensation Insurance, Employee Health Insurance, and Employment Practices Liability Insurance coverage are also recommended if he hires employees.
Additionally, Chandler may purchase a specific kind of Professional Liability Insurance, sometimes called “Errors and Omissions Insurance” in the media and advertising industry, to protect his company against claims of negligence, malpractice, mistakes, or misrepresentation in ad content.
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GoodFon.com, goodfon.com/films/wallpaper-druzya-serial-komediya-sitkom-1906.html, modified, Public License
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If ever you feel like the day job is getting rough, and a side hustle could be your next big break, consider adding insurance coverage to the list of things to research.
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Refinery29.com, This Is What Everyone On Friends Did For A Living (Sep. 18, 2019), https://www.refinery29.com/en-us/2019/09/8441998/friends-tv-characters-job-work.
The Authors Guild, Media Liability Insurance (Dec. 15, 2022), https://authorsguild.org/insurance-and-discounts/media-liability-insurance/.
Investopedia.com, Business Liability Insurance: Meaning, Overview, Types (Aug. 13, 2023), https://www.investopedia.com/terms/b/business-liability-insurance.asp.
Forbes.com, Commercial Property Insurance: Coverage & Costs (Dec. 3, 2024), https://www.forbes.com/advisor/business-insurance/commercial-property-insurance/.
Forbes.com, Business Interruption Insurance: Coverage & Costs (Jan. 2, 2025), https://www.forbes.com/advisor/business-insurance/business-interruption-insurance/.
Forbes.com, Product Liability Insurance: Coverage and Costs (Sep 5, 2025), https://www.forbes.com/advisor/business-insurance/product-liability-insurance/
The Hartford Insurance, Employment Practices Liability Insurance, https://www.thehartford.com/employment-practices-insurance.
Forbes.com, Workers' Compensation Insurance: What Is It And How Does IT Work? (Aug. 8, 2024), https://www.forbes.com/advisor/business-insurance/workers-compensation-insurance/.
Forbes.com, Business Employee Benefits In 2025: The Ultimate Guide (Oct. 4, 2024), https://www.forbes.com/advisor/business/employee-benefits/.
Forbes.com, Types of Small Business Insurance (Dec. 3, 2024), https://www.forbes.com/advisor/business-insurance/types-of-small-business-insurance/
NYC.gov, Bureau of Child Care Insurance Requirements for Summer Camps (Jun. 2024), https://www.nyc.gov/assets/doh/downloads/pdf/camp/insurance-requirements-for-summer-camps.pdf.
Investopedia.com, Directors and Officers (D&O) Insurance: What Is It, Who Needs It? (Jul. 10, 2022),
https://www.investopedia.com/terms/d/directors-and-officers-liability-insurance.asp.
Forbes.com, What IS Commercial Auto Insurance and How Does It Work? (Jun. 8, 2023), https://www.forbes.com/advisor/business-insurance/commercial-auto-insurance/.
AMWINS.com, Liability Policies: Understanding How Abuse and Molestation Exclusions Impact Insurance Coverage (Jan. 20, 2022), https://www.amwins.com/resources-insights/article/liability-policies-understanding-how-abuse-and-molestation-exclusions-impact-insurance-coverage.
Forbes.com, Commercial Umbrella Insurance: What IT Is and How To Get It (Feb. 7, 2024),
https://www.forbes.com/advisor/business-insurance/commercial-umbrella-insurance/.
Forbes.com, What Is Professional Liability Insurance? (Apr. 29, 2025), https://www.forbes.com/advisor/business-insurance/professional-liability-insurance/.
Forbes.com, Types of Small Business Insurance (Dec. 3, 2024), https://www.forbes.com/advisor/business-insurance/types-of-small-business-insurance/
Forbes.com, Key Person Insurance: Definition, Cost and Coverage (Oct. 4, 2023), www.forbes.com/advisor/life-insurance/key-man-insurance/.
Investopedia.com, What Is Professional Liability Insurance? Costs and Coverage (Jul. 17, 2024), https://www.investopedia.com/terms/p/professional-liability-insurance.asp#:~:text=Professional%20liability%20insurance%20%EE%80%80protects.