/ BLOG

Reasons Copywriters Need Professional Liability Insurance

Mar 27, 2023 · 4 minutes to read

A woman siting at cafe, busy writing in notebook, studying and finishing work.

Copywriters provide valuable services to their clients, whether they are big corporations or small businesses. Your words are an essential part of their sales plans. It’s crucial that you craft quality copy and deliver on time.

However, things don’t always go to plan when you’re running a business. Professional Liability insurance—a type of copywriter insurance coverage—could protect your finances if a claim of professional wrongdoing is made against you.

Keep reading to learn more about Professional Liability insurance, as well as other insurance for self-published authors, editors, and writing professionals.

What is Professional Liability insurance?

Professional Liability insurance can protect professional service providers from potentially devastating financial damages resulting from alleged negligence or error in the delivery of your services.

A Professional Liability policy is a type of copywriter insurance that can protect your business by paying your legal fees, including settlements and judgements ordered by the court, for covered events.

You may also see Professional Liability insurance sold under the name Errors and Omissions (E&O) insurance.

Why do copywriters consider Professional Liability insurance?

Copywriters (as well as authors, publishers, and other content creators) often consider Professional Liability insurance for the peace of mind it can provide them while they work. A simple mistake could cause a financial loss for your client. If you’re found at fault, you may find yourself caught in an expensive lawsuit.

As a form of author liability insurance, these policies help pay for unexpected bills caused by claims of professional wrongdoing. This may include events such as:

  • Errors, mistakes, or omissions in your work
  • Copyright and trademark infringement claims
  • Allegations of defamation (including slander and libel)
  • Missed deadlines or undelivered services
  • Breaches of contract

Every Professional Liability policy is different. It’s wise to check your policy documents to understand exactly when you are covered (and when you are not).

Another reason why copywriters consider Professional Liability insurance is that it’s required by their clients. Many businesses will only work with freelancers who have their own insurance policies. This helps the business manage its risks, as you may not be covered by their insurance.

If you are required to have a Professional Liability policy or other types of copywriter insurance, this will typically be written into the client’s business contract. They may include a minimum coverage level that you must meet while working on their projects.

Do copywriters consider other types of insurance for their businesses?

While Professional Liability is often viewed as an essential copywriter insurance policy, it’s not the only one that you might consider for your business. Other popular author liability insurances include:

General Liability

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Copywriting is often a solitary job, but you may interact with people face-to-face while running your business. Meeting with clients (in your office or theirs) and working in public spaces (i.e., a coworking space, library, coffee shop, etc.) create risks for your business. If your actions damage someone else’s property or cause them injury—even accidentally—you could be responsible for fixing the situation.

Business Owner’s Policy

A Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service.

A BOP is a convenient way to address several risks to your copywriting business with a single policy. This can be an easy and affordable way to buy General Liability insurance, plus coverage for unplanned business interruptions and equipment breakdowns.

Find copywriter insurance for your small business

Professional Liability insurance could create a vital safety net for your copywriting business. A policy could help you protect your business and personal finances against negligence claims and lawsuits regarding your work. Getting covered may mean the difference between building a successful business or closing up shop for good.

Finding copywriter insurance is easy with BizInsure. In just 10 minutes, you can compare policies from top-rated insurers, choose the coverage that fits your needs, and get covered instantly.

Get started now!

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice.
The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929

Get Free Online Quotes and get coverage instantly

The coverage you need for your business.

Business insurance is divided into different policies. We offer 4 types so it's easy to design the coverage that fits your business.

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Let's find

The coverage you need for your business

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

21st Century QHC agency for Home care insurance company.
Tie J.
1685493503
Andrea Mcgee was great to work with
Audra M.
1685026766
Customer representative extremely professional and courteous!
DJ Jeff B
1684947758
I wanted to add another letter to one word on my street, and the website allows me to do that, and it took less than 5 minutes for them to approve the amendment. How wonderful, I love their service very much.
Ema F.
1684916946
Representative was very kind, helpful, and educated me well. I appreciated today's experience.
Tina P.
1684189305
Thanks for the overall service. The rates were great, and they were able to cover the services that was needed. Please call BIZinsure for your commercial needs.
Cheequanda M.
1682790376
Responsive and easy
Crime R.
1681773010
I have used BizInsure for 2 years and they make the renewal process quick and easy.
hospicecare 4.
1681475617
Excellent business and great people! They have out done our prior insurance of 23 years! Keep up the good work!
James F
1681249188
Very satisfied with the application process, Andrea was very helpful and friendly. Great service ! Thank you !
Don C.
1681232420
No waiting !!!
Renee G.
1681218692
Very good company to do business with.
Jeff M.
1681160334
Teven Lous was wonderful to work with. Thank you
Valerie K.
1680728932
js_loader

Popular Searches

Google Rating
4.5
Based on 121 reviews
×
js_loader