A Dynamics NAV/Navision freelancer is a person who sells
Dynamics services to different clients without a long-term
commitment to any of them, rather than being employed by them.
In the Dynamics world many freelancers find their projects using
recruiters or via the Microsoft Dynamics Partners, rather than
working directly for the end-users.
But most Navision freelancers will be more than happy to work
directly for the end-users. Freelancers are insured just as other
companies, so there is no risk in hiring a freelancer.