Insurance for Freelance Writers
Cover for defamation, electronic equipment, and more
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Easy and professional claims support
Cover for defamation, electronic equipment, and more
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What is writer insurance?
As a self-employed, freelance 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 all unplanned events that could spell trouble for your freelance writing or editing business. These issues could become costly problems for you and your business, which is why many freelance writers choose to take out business insurance
Why do butcher shops need insurance?
Writers may need business insurance to do things like:
Pay legal costs if you face a liability claim
Protect your intellectual property.
Work as a contractor or sub-contractor
Safeguard against cybersecurity threats
More writing and editing professions we cover
BizCover has insurance options for a wide variety of occupations relating to writing and editing.
Publishers
Reporters
Document Editors
Songwriters
Playwrights
Proofreaders
Types of cover we offer freelance writers
BizCover has insurance options for many different professions in the arts, media and entertainment industry. Tailor your quote to your business, compare cover, and buy online in minutes.
Popular cover types for writers:
Authors & Writers could also consider:
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does freelance writers’ insurance cost?
Your business is unique. That means you might face different risks than others in your industry and may pay a different price for your cover.
With BizCover, insurance can be tailored to fit the size, risks, and needs of your business. The average cost of business insurance for a freelance writer with BizCover is $52.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
Add Business Details
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. You may wish to consider Professional Indemnity insurance to protect yourself against claims relating to things like mistakes in your work or missed deadlines.
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.
Looking for a way to protect your laptop, printer, and other electronics? You might want a Business Insurance Pack*. These customisable insurance packages (also known as a BizPack) 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 insurance.
Do you have a website or professional social media accounts? 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. This type of insurance is designed to help cover losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach.
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.
Hear from our customers
Real-life customer reviews verified by Feefo
Brilliant. It was so easy to get this done and it was the lowest quote. I spent a whole day getting multiple quotes but BizCover found the best one for me!
M Fernando
Simple, easy to navigate. Great Value!
Robbie D
Really easy and no long forms or wait times like other providers of PI.
Phillip B
So quick and easy to create my personalised business cover, I would definitely recommend BizCover to anyone looking for insurance. Thank you!
S Macabulos
Real-life customer reviews verified by Feefo