Insurance for Freelance Writers

Why do self-employed writers need insurance?

As a self-employed, freelance or sole trader writer, you know how to turn a phrase, but do you also know how to protect your business?

Failing to meet a deadline, a broken laptop, or falling for a cyber scam are just a few of the many unplanned events that could spell trouble for your business. The unexpected bills created by these types of incidents could potentially destroy your finances—unless you have business insurance.

Depending on your cover, you can protect your finances and get back to writing with greater peace of mind!

Who needs freelance writers’ insurance?

Whether you’re newly self-employed, an established writer, an independent contractor or a sole trader, BizCover has got you covered! We offer insurance options for a range of writing professionals, including:

No matter your specialty, BizCover can help you find and compare policies designed for freelance writers!

Cover for freelance writers

Professional Indemnity insurance

Does the thought of mistakes in your work or missed deadlines keep you up at night? What about worrying over potential libel lawsuits? You may consider Professional Indemnity insurance* to protect yourself against events like these and other professional wrongdoing.

Public Liability insurance

Writing is often a solo endeavour, but that doesn’t mean you never interact with others in the course of business. If you meet with clients in person—in your office, their offices, or even a local café—you may need Public Liability insurance* to help manage third-party property damage or injury claims.

Business Insurance Pack

Looking for a way to protect your laptop, printer, and other electronics? You might want a Business Insurance Pack*. These customisable insurance packages offer a range of cover options for self-employed writers.

Electronic Equipment* cover can help you repair or replace a broken laptop, and Theft* cover could help you replace it if it’s stolen from your secured premises. You may also want to add other types of cover to your Business Insurance Pack, like Contents*, Business Interruption*, or Tax Audit*.

Cyber Liability insurance

Do you have a website or professional social media accounts? Do you rely on email or SMS to contact clients? Maybe you accept payments online or use third-party apps to run your business. You might want to consider Cyber Liability insurance* to help you manage expenses and get your system back up and running after a cyber incident.

Personal Accident & Illness

When you’re self-employed, your business’ success relies on you being there to get the job done. What would happen to your business if an accident or serious illness put you out of action for weeks, months, or even permanently? Personal Accident & Illness insurance* could help you keep paying the bills if you cannot work following an injury or serious illness.

How much does freelance writers’ insurance cost?

Over 96% of freelance writers paid $64.55 or less per month for their insurance with BizCover in FY2024^†.

However, many factors go into calculating the cost of business insurance. What you pay for a policy may differ from that of other freelance writers. Factors that may impact your premiums include your annual revenue (turnover), the types of cover you choose, and your past claims history.

Comparing multiple quotes from different insurers is a great way to better understand how much you can expect to pay for your insurance.