Writer Insurance: Cost & Quotes From $30/mo

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142,000 writers and authors worked in the United States in 2021. As a writer or author, you want to invest in an insurance policy considering your industry’s unique risks. The broadcasting company might sue for financial losses after an article you’ve made offended a particular group. Also, misleading information from you can result in media liability claims. Consider getting writer insurance for the best protection. Read further to know what policies are included, the cost of premiums, and the best companies:

General Liability Insurance for Writers

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


One of the most useful liability insurance for your business is general liability. This policy will protect your business from third-party injury and property damage. While most insurance companies offer general liability as a long-term policy, it’s possible to get this as a short-term coverage that only lasts for hours, days, or weeks. 


Situations Where General Liability Insurance Can Help

Below are a few examples of when this coverage might be helpful:

  • A customer slips and falls at your business property and needs help paying for medical expenses

  • One of your employees accidentally breaks a customer’s property, which needs to be replaced

  • You get served a lawsuit for your writing causing copyright infringement, requiring you to handle court costs

Add-Ons of General Liability Insurance for Writers

You can customize your general liability through add-ons. Examples include:

  • Tools and equipment–Helps you pay for repairing or replacing damaged business equipment and tools

  • Employment practices liability–Protects your business from employee claims of harassment, discrimination, and wrongful termination

Coverage Limits of General Liability Insurance for Writers

The coverage limit of your general liability policy will be around $1 million per occurrence and $2 million in aggregate.


Does General Liability Insurance Grant Protection Against Libel Claims?

General liability can be used as libel insurance. Libel, defamation, and other related offenses are included in the personal injury section of a general liability policy’s language. 


Professional Liability Insurance for Writers

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No


Professional liability insurance, also called errors and omissions insurance, covers claims for negligence, breach of contract, inaccurate advice, or failure to deliver a service. Insurance companies offer this as a claims-made or occurrence policy. Professional liability insurance covers the legal costs, settlements, and judgments. 


Coverage Limits of Professional Liability Insurance for Writers

Your professional liability policy offers a $1 million-$2 million per occurrence and aggregate limit. It’s possible to get more if you request the insurance company. 


What is Media Liability Insurance for Authors?

Media liability insurance for authors offers a specialized form of professional liability insurance that protects liabilities that stem from disseminating content. This policy protects publishers and authors from issues like invasion of privacy and misappropriation of names and identities.


Product Liability Insurance for Writers

Your writer insurance policy can use product liability protection to cover injuries that result from selling a faulty product. For writers, this can include situations like

  • You release a defective product that damages a customer’s personal property

  • Your business sells merchandise and fails to warn customers that it can be harmful when ingested

Coverage Limits of Product Liability Insurance for Writers

A standard coverage limit for product liability is $1 million per occurrence and $2 million in aggregate.


Am I Legally Required to Purchase Product Liability Insurance?

No, your product liability insurance will not be legally required to operate your writing business. However, sometimes you want to purchase it anyway since clients may want you to provide evidence that you can cover damages to your products if you do business with them.


Does Product Liability Cover My Product Recall Costs?

No. Product liability insurance for freelance writers might not cover your business expenses when you need to recall a product. You want a product recall endorsement to cover those costs.

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Commercial Property Insurance for Writers

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance can make a good companion policy for your writer or author liability insurance. You get protection from damage to your business building and its commercial property. Some example situations include:

  • A thief breaks into your writing business and steals a working outline for a book

  • Your business property gets damaged by a fire and needs replacement

Add-Ons of Commercial Property Insurance for Writers

  • Equipment breakdown insurance–Adds protection for mechanical breakdowns from power outages and power surges for equipment you use in your writing business

  • Flood insurance–Helps you compensate for property damage from flood waters

Coverage Limits of Commercial Property Insurance for Writers

Commercial property insurance will have an average coverage limit of $60,000. The coverage limit depends on the value of your commercial property.


Do Freelance Writers Need Commercial Property Insurance?

Freelance writer insurance can still benefit from commercial property coverage providing extra protection for business equipment that a homeowner’s policy might not. If you rely on business equipment to make your business work, you should consider commercial property insurance.


Does My Commercial Property Policy Cover Transit?

No, your commercial property policy will only cover your business property at the location outlined in the policy. If you want to cover the property you are storing off-site, you will want inland marine coverage. An inland marine insurance policy can also cover your business property while transported over land.


A writer jotting down thoughts in a notebook, sipping on coffee.


Business Owner’s Policy for Writers

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


This insurance for content writers combines commercial property coverage with general liability into one convenient policy. This means that you get third-party liability protection in addition to protecting your business property. Some example situations for your business may include:

  • A member of the public wanders onto your business property and trips over a desk

  • A windstorm causes property damage to your business, and it needs repairs

Add-Ons of Business Owner’s Policy for Writers

  • Cyber liability–Protects you from data breaches and cyber-attacks that your writing business may experience

  • Commercial crime–This policy will cover incidents related to employee theft, forgery, and other activities that cause financial harm to your writing business

Coverage Limits of Business Owner’s Policy for Writers

Since your BOP contains commercial property and general liability, you will have separate coverages for different events. Property coverage will range between $20,000 and $60,00. On the other hand, general liability coverage will range from $1 million to $2 million.


Does Business Owner’s Policy Cover Professional Indemnity Insurance?

Professional indemnity insurance for authors is typically not included in a business owner’s policy. Suppose you want protection for professional mistakes you make as a writer. In that case, get professional indemnity as a separate policy.


Tools and Equipment Insurance for Writers

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance help you repair or replace your writing tools when damaged, lost, or stolen. This inclusion in technical writer insurance also covers your tools even when off your business premises. Situations to use this coverage include:

  • While traveling, you bring your computer to write while away from the office. It got lost during the trip

  • Someone steals your writing equipment, and you need to replace it

Add-Ons of Tools and Equipment Insurance for Writers

Some common add-ons for tools and equipment insurance include:

  • Earthquake damage–This covers the costs that you might need to repair or replace tools and equipment when exposed to landslides, mudslides, or earthquakes

  • Equipment breakdown–Since tools and equipment insurance doesn’t cover equipment breakdowns, this policy can be an excellent way to supplement such gap

Coverage Limits of Tools and Equipment Insurance for Writers

The coverage limit for tools and equipment insurance is $10,000-$25,000 for each item covered. 


What is Not Covered by Tools and Equipment Insurance?

Tool and equipment insurance doesn’t apply to the following:

  • Rental equipment–By default, rental equipment would need another policy to get coverage like rental insurance

  • Negligence–If you damage your equipment through your negligence, then you will not get coverage

  • Wear and tear–Equipment and tools naturally degrade over time. If one of your writing equipment breaks for this reason, it is generally not covered by this policy


Commercial Auto Insurance for Writers

Commercial auto insurance protects vehicles you use for business purposes. Standard protections are for damage to the vehicle from accidents, liability claims, and more. Your writing business will benefit from this coverage in situations like:

  • While meeting with a publisher, the car you use for your writing business gets stolen

  • Your car gets into a road accident while transporting a client for your writing business

Commercial auto insurance for writers is typically comprised of several standard components, which include:

  • Collision coverage–Covers damage to your vehicle resulting from road accidents

  • Comprehensive coverage–This helps protect your vehicle from physical damages like fire, weather events, and vandalism

  • Auto liability–Covers the medical treatment of third parties who got injured in a vehicular accident you caused

Add-Ons of Commercial Auto Insurance for Writers

You can customize your commercial auto insurance further through more policies like:

  • Medical payments–This can help pay your medical payments and any passengers in your car, regardless of who is at fault in the accident

  • Rental reimbursement–This covers the costs for a rental vehicle while your original vehicle is in the repair shop

  • Roadside assistance–Helps you pay for towing and other services when your car breaks down at the side of the road

Coverage Limits of Commercial Auto Insurance for Writers

The coverage limits for commercial auto insurance will typically start at around $100,000 for auto liability coverage. Typically you will want to get at least $500,000 in liability coverage to cover your bases.


Can a Self-Published Author Benefit From Commercial Auto Insurance?

Definitely. Tailored insurance for self published authors might include a commercial auto policy because you might travel nationwide to hold events and do book signings.


Can I Use a Personal Vehicle I Own for Commercial Auto Insurance?

Yes. Your commercial auto insurance can be used to cover your personal vehicle when it is used for business purposes. 


Excess Liability Insurance for Writers 

Excess liability coverage can add financial protection and a higher policy limit for an underlying liability policy. Situations to use thing insurance include:

  • Your general liability policy only covers $1 million, so you get excess liability insurance to help cover a $1.5 million claim

  • A professional liability policy of $2 million is met with a $3 million claim. You purchase $1 million in excess liability insurance to cover the rest of the claim

Coverage Limits of Excess Liability Insurance for Writers

Excess liability insurance has a limit of $1 million-$25 million. You purchase this coverage in $1 million increments. 


Does Excess Liability Cover Every Policy?

Excess liability only covers the underlying policy you bought it for. If you want a similar add-on that covers multiple policies, you will want to purchase an umbrella policy.

Workers’ Compensation Insurance for Writers

Workers’ compensation insurance benefits your employees when they are sick or injured while working at your writing business. Also, many workers comp policies will include employer’s liability coverage that helps an employer pay damages to an employee who sues for their work injury. You can use this insurance when:

  • An employee develops a chronic condition for writing, requiring medical treatment

  • One of your employees trips while reorganizing the office and cannot work for some time

Will an Author Qualify for Workers’ Compensation?

Yes. Suppose an author who is an employee is impaired, disabled, or unable to work due to a workplace injury. In that case, authors will be eligible for coverage. An author insurance package may not need to include worker’s compensation if no employees qualify for coverage.


Are My Employees Paid for the Entire Time Off Work?

There is a waiting period for workers comp insurance that will prevent benefits from kicking in until an employee misses a certain number of working days. This waiting period will range between three and seven days.

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Writer Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $34 $408 $0-$500
Professional liability insurance $40 $480 $500-$1,000
Excess liability insurance $39.00 $468 $500-$1,000
Commercial property insurance $50 $600 $1,000-$2,000
Business owner’s policy $80 $960 $1,500
Tools and equipment insurance $37 $444 $500-$1,000
Commercial auto insurance $60 $720 $500-$1,000
Workers compensation insurance $93 $1,116 $2,500-$5,000


The average writer insurance cost is $34 per month or $408 per year for a $1 million general liability policy. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, location, annual revenues, and number of employees. Here’s a table showing the cost of a $1 million general liability policy from the best writer insurance companies:

Cost per Month Cost per Year Best for
NEXT $14 $168 Best overall; Fastest general liability insurance for writers
The Hartford $17 $204 Workers compensation insurance for writers
CoverWallet $19 $228 Comparing writer insurance quotes online
Tivly $23 $276 Comparing writer insurance quotes over the phone
Thimble $26 $312 On-demand coverage for freelance writers
Hiscox $29 $348 Writer insurance with worldwide coverage
Authors Guild $39 $468 Media liability insurance for authors
Writers Guild of America $50 $600 Life insurance for writers

Compare Cheap Writer Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Writer Insurance Companies

Here are the best writer insurance companies. Read some of the review below to know their pros, cons, and average rate for a $1 million general liability policy. 


NEXT Writer Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for writers

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

  • Accessible app for Android and Apple users

Cons

  • Couldn’t find any

NEXT has customized insurance offerings for writers. This insurer offers insurance options like workers’ compensation, general liability, and commercial auto insurance. NEXT boasts an A- minus financial score with AM Best and a B+ with the Better Business Bureau.

Best for: Best overall; Fastest general liability insurance for writers

Average cost: $14 per month

Our rating: 10/10 


The Hartford Writer Insurance

Pros 

  • Over 200 years of insurance expertise

  • Highly reviewed insurer by customers

  • Mobile app

Cons 

  • Some states are not covered

The Hartford offers business insurance for writers and authors tailored to fit your needs. The company has many important policies, one of which is general liability. Their default coverage offers protection for injury and property damage, reputational harm, advertising injuries, and damage to rented premises. The company has an A+ BBB rating and a 4.8 satisfaction rating in its customer reviews.

Best for: Workers compensation insurance for writers

Average cost: $17 per month

Our rating: 10/10 


CoverWallet Writer Insurance

Pros 

  • Easy to track policies and claims

  • Choose from different top insurers

  • Compare quotes online

Cons 

  • Requires making a call for some steps in the process

CoverWallet offers a digital space to compare rates from their top providers like Hiscox, Progressive, and Markel. This company offers phone consultations to help writers get policies like business interruption, general liability, and commercial property insurance. Coverwallet has an A+ rating with the Better Business Bureau.

Best for: Comparing writer insurance quotes online 

Average cost: $19 per month

Our rating: 10/10 


Tivly Writer Insurance

Pros 

  • 200+ partners to pick from

  • Matches you with the best insurers

  • Quick quote process

Cons 

  • You need to talk to a representative to get quotes

At Tivly, you can experience an insurance marketplace with over 200 providers all vying for your attention. Tivly will help connect you to insurers that can provide writers insurance policies like product liability, workers comp, and general liability. Tivly enjoys an impressive A rating from the Better Business Bureau for customer satisfaction. Call now to compare quotes over the phone. 

Best for: Comparing writer insurance quotes over the phone

Average cost: $23 per month

Our rating: 10/10 

 

Thimble Writer Insurance

Pros

  • Get your insurance quotes quickly

  • Great online resources

  • Flexible insurance coverage periods

Cons

  • Customer support not available 24/7

Thimble is a quick way to get your writer’s insurance. You can get quotes and policy purchases done quickly to get peace of mind. This company has writer and author insurance and an A-rated general liability policy designed for freelance writers. Thimble has an A+ rating from the Better Business Bureau.

Best for: On-demand coverage for freelance writers

Average cost: $26 per month

Our rating: 10/10 


Hiscox Writer Insurance

Pros 

  • Get a uniquely crafted policy that addresses your writer’s business needs

  • 14-day refund policy

  • Has a mobile app for your convenience

Cons 

  • Some policies are sourced from partners

Hiscox has personalized policies in mind as their insurance strategy, which it excels at. The company offers you a chance to get the most efficient coverage. This means you can be sure you are paying for what you need. The company offers general liability, workers comp, cyber security, business owner’s policy, and more. Hiscox has an A+ financial rating from Fitch and an A rating from AM Best.

Best for: Writer insurance with worldwide coverage

Average cost: $29 per month

Our rating: 10/10 


Writers Guild of America Insurance

Pros 

  • Medical, hospital, dental, and life insurance

  • Pension plan

  • Writers industry health fund

Cons 

  • Doesn’t offer liability insurance

Writers Guild of America insurance offers writer insurance policies that covers things like vision, dental, and medical costs. You also get a life insurance policy that pays out benefits to participants of the Writers Guild as well as eligible dependents. Writers guild insurance offers a health fund that kicks in when you work for a signatory employer and meets an annual earning requirement of $41,000.

Best for: Life insurance for writers

Average cost: $50 per month

Our rating: 8/10


Author’s Guild Insurance

Pros 

  • Health insurance through the affordable care act

  • Exclusive discounts for members

  • Supplemental coverage for dental, vision, and critical care

Cons 

  • Fewer options for liability insurance

Authors guild insurance offers media liability insurance that protects you from liability costs from your job as a writer. A specialized lawyer reads your book and reviews any marketing materials you produce to ensure you are legally safe. You enjoy the benefits of being an Authors Guild member, including car rentals, essential magazine subscriptions, and electronics discounts.

Best for: Media liability insurance for authors

Average cost: $39 per month

Our rating: 8/10

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