Business Insurance for Writers and Authors

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From a lost manuscript to a breach of contract, legal trouble can quickly arise for an author. Writer insurance protects against lawsuits as well as business property damage, injuries, and more.

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Choose the best rate and coverage

Insureon helps writers and authors compare insurance quotes from top U.S. carriers with one easy online application.

What types of insurance do writers need?

These policies provide coverage for the most common risks writers face.
General liability insurance icon

General liability insurance

This policy provides coverage for common risks, such as losing a client’s USB drive that contains the sole copy of a manuscript. Bundle with property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged client property
  • Lost client property
Professional liability insurance icon

Professional liability insurance

This policy, also called media liability insurance for authors, can cover work disputes, such as a client suing for breach of contract when you refuse to perform an unpaid rewrite.

  • Accusations of plagiarism
  • Missed deadlines
  • Breach of contract
Looking for different coverage? See more policies.

Why do writers need insurance?

Writing may not seem like a perilous profession, but freelance writers and authors face several home business risks. Author insurance can shield you from lawsuits over missed deadlines, copyright infringement, or accusations of libel. It also protects against injuries, laptop theft, and more.

How much does insurance cost for home-based businesses?

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Several factors will have an impact on insurance costs, including:

  • Home business services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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