Insurance for Writers in Pennsylvania
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Writers’ Insurance Pennsylvania
Pennsylvania is home to well-known newspapers, prestigious universities, and an expanding freelance network of writers. While Philadelphia and Pittsburgh are the main cultural and media centers, smaller towns also contribute to the state’s deep literary history.
This makes the state a great place for writers, with a demand in fields like business, healthcare, and technology. Writers have the freedom to explore opportunities in publishing, journalism, digital media, and academic writing.
Why do Pennsylvania writers need business insurance?
Pennsylvania writers need business insurance to protect themselves from potential legal and financial risks associated with their work. For example, Professional Liability insurance (Errors and Omissions insurance) offers protection against claims of negligence, copyright infringement or defamation, which are common concerns in publishing and media. General Liability insurance is also important for writers who meet clients in person, as it covers third-party bodily injury or property damage claims.
Cyber Liability insurance is another important form of insurance, given the rise of digital content creation. This insurance can help protect against data breaches, hacks or other cyber threats. Having the right coverage ensures that Pennsylvania writers can focus on their work without worrying about unexpected legal or financial challenges.
Some of the most popular types of writers in Pennsylvania include:
- Journalists
- Authors & Novelists
- Academic & Research Writers
- Content Writers & Copywriter
- Technical Writers
- Freelance Writers
- Screenwriters & Playwrights
With its mix of traditional publishing, academic institutions, and digital media, Pennsylvania offers a wide range of opportunities for writers across multiple fields.
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There are a range of covers available to protect your business. We offer 4 types so it’s easy to design the coverage that fits your business.
Professional Liability Insurance
General Liability Insurance
Business Owner’s Policy (BOP)
Workers Compensation Insurance
Did you know?
Consultants may be required to have General Liability and Professional Liability insurance policies by some clients or when working in specific industries.
Types of insurance for writers
Professional Liability Insurance
Professional Liability insurance is an important type of insurance to consider for different types of writers. Also known as Errors and Omissions (E&O) insurance, it protects writers from claims of negligence, errors or omissions, and can help cover defense costs that arise from those claims. Pennsylvania writers who provide professional services or advice should consider this coverage.
General Liability Insurance
Writers often work in client offices or business premises. Accidents, whether minor or major, can be costly. General Liability insurance (also known as Commercial General Liability (CGL)) protects writers from third-party claims of bodily injury and damage to property.
Clients may also ask writers to obtain insurance before they sign a work contract.
Business Owner’s Policy (BOP)
Business Owner’s Policy (BOP) isa bundled insurance package that combines General Liability with other protection for small businesses that can cover equipment damage, business interruption and more. This is a convenient and affordable way for Pennsylvania writers to protect themselves against common risks.
Workers Compensation Insurance
Workers Compensation coverage helps cover medical costs and lost wages of employees in the event of a work-related injury or illness. Workers’ Comp is required in Pennsylvania for writing businesses with five or more employees.
How much does writers’ insurance cost in Pennsylvania?
The cost of writers’ insurance in Pennsylvania varies based on several factors, including the type of coverage, the writer’s industry, business size, and level of risk. Professional Liability insurance (Errors and Omissions insurance) is an important form of cover for writers who create content or provide advice that could lead to claims of negligence, defamation, or copyright infringement. General Liability insurance is beneficial for those who meet clients in person, as it protects writers against third-party bodily injury or property damage claims. Writers working in digital media may also need Cyber Liability insurance* to safeguard against data breaches or online risks. Coverage costs can also be influenced by factors such as location, coverage limits, and claims history. To find the right policy for their business, writers should compare quotes from multiple providers based on their specific needs.
*BizInsure currently does not offer Cyber Liability insurance.
