Freelance writers and authors are professional writers who work as independent contractors providing a broad range of writing services on multiple topics to different clients across a variety of industries. However, as an independent, self-employed writer or author, your work is not covered by the insurance policies of your clients. That leaves freelance writers exposed to many liability risks. A customized freelance writer and author insurance policy provides you with the protection you need from the risk of third-party errors and omissions (E&O) lawsuits alleging wrongdoing.
Professional liability insurance for authors and freelance writers provides coverage for claims or allegations of errors and omissions, libel, slander, copyright infringement, and defamation. It is designed to protect you should a lawsuit be initiated against you even if that lawsuit is frivolous.
What does it cover?
Insurance for freelance writers and authors covers a broad range of liability risks facing all kinds of professional writers. A comprehensive insurance policy may include the following types of coverages:
- Professional Liability Insurance: Also referred to as professional indemnity insurance, professional liability insurance provides you with financial protection from claims alleging negligence, misconduct, or failing to provide a service as promised. It also provides media and advertising coverage if your media services result in one of your clients being sued for libel, slander, or defamation.
- Media Liability Insurance for authors: Specifically designed for the media industry, medial liability insurance protects authors and writers against liability from advertising and publishing activities if such injury arose out of libel, slander, defamation, violation of the right of privacy, and piracy.
- Commercial Property Insurance: Commercial property insurance provides financial support for physical losses or damages to your business property or office resulting from things such as fire, flood, theft, and vandalism. It includes contents insurance, which may pay for any furnishings and inventory in your office space, as well as your electronics and computers if they are damaged or stolen.
- Cyber Liability Insurance: Cyber liability protection provides you with financial support if you suffer a cyber-attack, are a victim of cybercrime, or if an accidental data breach occurs. It is your responsibility to protect your clients’ private and confidential data. Cyber liability insurance offers coverage for losses sustained due to a system outage resulting from a cyber-attack, legal advice, repairs to your software and storage systems, and credit monitoring services for you and your clients if there is a data breach or cyber-attack.
Who needs it?
Multiple kinds of professional writers need to protect their freelance writing business with a professional liability insurance policy, including:
- Essay writers
- Digital content writers
- Grant writers
- Niche writers
- Public relations professionals
- Technical writers
The type of policy and coverage limits you require depends on the work you do and what your specific needs are. Speak with a Zensurance licensed broker to customize your policy and ensure you’re adequately protected.
How much does it cost?
The annual cost of a professional indemnity insurance policy for authors and writers varies by insurance company. Usually, a policy with a liability limit of $1 million costs around $50 per month. Insurers consider a wide range of factors when determining the premium for your policy, including:
- The type of writing you do and services you provide
- Who your clients are
- Your years of experience as a professional writer
- Annual and projected revenue
- Past insurance claims
Zensurance partners with more than 50 leading Canadian insurance carriers to find the most exclusive rates for your policy, typically up to 35% less than what our competitors offer.
Common claims scenarios
Frequently asked questions