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

Media liability insurance

This policy covers lawsuits related to work performance, such as a client suing for breach of contract when you refuse to perform an unpaid rewrite. It's also called professional liability insurance.

  • Accusations of plagiarism
  • Missed deadlines
  • Breach of contract
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for writers and authors who hire employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy is important for writers and authors who handle sensitive data. It helps cover expenses related to data breaches and cyberattacks.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion payments
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 media and advertising professionals?

Media specialist using a printing calculator.

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

  • Media and advertising services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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