Insurance for Writers in Washington
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Writers’ Insurance Washington
Washington has a thriving writing industry, with writers working in journalism, publishing, content creation, and technical writing. Seattle serves as a major hub for media, technology, and publishing, allowing writers in Washington contribute to industries such as business, technology, healthcare, and entertainment.
The state also attracts authors, poets, and screenwriters, who are inspired by its rich cultre and beautiful sceneries. Whether working as freelancers, journalists, or corporate writers, Washington’swriting community plays a key role in shaping narratives across multiple platforms.
Why do Washington writers need business insurance?
Washington writers need business insurance to protect themselves from potential legal and financial risks associated with their work. Professional Liability insurance (Errors and Omissions insurance) helps safeguard writers against claims of negligence, defamation, or copyright infringement, 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. Additionally, writers working in digital media may benefit from Cyber Liability insurance, which serves to cover data breaches and online risks. Having the right insurance coverage ensures Washington writers can focus on their work with financial security and peace of mind.
Washington is home to a diverse community of writers who contribute to various industries. The most popular types of writers in Washington include:
- Journalist
- Authors & Novelist
- Technical Writers
- Content Writers & Copywriters
- Screenwriters & Playwrights
- Freelance Writers
- Academic & Research Writers
With its mix of technology, media, literature, and academia, Washington offers numerous 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. Known as Errors and Omissions (E&O) insurance, it protects writers from claims of negligence, errors or omissions, and helps cover defense costs that arise from those claims. Washington 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) is a 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 Washington 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 Washington for writing businesses with one or more employees.
How much does writers’ insurance cost in Washington?
The cost of writers’ insurance in Washington depends on several factors, including the type of coverage, the writer’s industry, business size, and risk exposure. Professional Liability insurance (Errors and Omissions insurance) is an important form of cover for writers who handle sensitive content and want protection against claims of negligence, defamation, or copyright infringement. General Liability insurance is beneficial for writers who meet clients in person, covering potential third-party bodily injury or property damage claims. Writers working in digital media may also need Cyber Liability insurance* to protect against data breaches and online risks. Additional factors, such as coverage limits, location, and claims history, can also impact pricing. To find the right coverage for their business, writers should compare quotes from multiple insurance providers based on their specific needs.
*BizInsure currently does not offer Cyber Liability insurance.
