Copywriter Insurance
Specialist cover for copywriters from £4.83* per month.
- Public liability for copywriters
- Add Professional indemnity cover
- Join over 150,000 customers**
From only £4.83* per month
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What does copywriting insurance cover?
Our insurance for copywriters is built to protect professional wordsmiths who make their living through persuasive, strategic writing — from freelance copywriters and content specialists to self-employed consultants and small limited companies working with multiple clients.
At its core, the policy includes public liability insurance, with cover limits of up to £5 million. This protects you if a third party is injured or their property is damaged as a result of your business activities. It’s essential, great-value cover that helps you work confidently while focusing on what you do best: crafting words that sell.
Your copywriting insurance can also be tailored with optional add-ons, including professional indemnity, personal accident cover, legal expenses, and protection for your business equipment. Whether you’re working from home, hot-desking in a shared office, visiting clients, or attending networking and marketing events, your policy can flex around the way you work.
Make sure you have the correct insurance for your profession and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Employers' Liability
Equipment
Personal Accident
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Professional Indemnity
- From £100,000 to £1 million of cover.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Business Equipment
- Up to £25,000 worth of cover
- Cover is provided on a new-for-old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit, including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select European Union or Worldwide (excluding the USA & Canada).
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of equipment
- Operating in the US and Canada
- Anyone aged 16 or younger working for you
For further information on exclusions in your cover, please refer to the policy documentation.
What types of insurance do copywriters need?
As a copywriter, your reputation rests on your ability to communicate clearly, meet deadlines, and deliver writing that supports your clients’ brands, services, and products. But even the most experienced professionals can face disputes, accidents, or unexpected setbacks, which is where insurance comes in.
The right cover helps protect your income, your reputation, and your business, so one mistake or incident doesn’t derail your career. These types of insurance are particularly important for copywriters:
Public liability cover
Accidents can happen anywhere even in a home office, coworking space, client premises, or at an industry event. For example, if a client or visitor trips over cables, bags, or equipment while meeting with you, you could be held legally responsible.
Public liability insurance covers compensation claims and legal costs if someone is injured or their property is damaged because of your business activities, so you’re not left paying out of pocket.
Professional indemnity insurance
Your writing influences decisions, sales, and brand reputation. If a client believes your copy caused financial loss, perhaps due to an error, missed brief, misleading claim, or campaign issue, they may bring a claim against you. Even unfounded allegations can be expensive and stressful to defend.
Professional indemnity insurance is designed for these scenarios. It helps cover legal defence costs and any compensation awarded, giving you peace of mind while you create, pitch, and deliver work for clients.
Equipment cover
Your tools, laptops, tablets, phones, monitors, and other essential work equipment, are the backbone of your business. If they’re stolen, lost, or damaged at home, in a shared workspace, or while travelling to meetings or events, your ability to work can grind to a halt.
Equipment cover helps replace these items on a new-for-old basis, so you can get back to delivering client work quickly and with minimal disruption.
Personal accident cover
Copywriting may not seem high-risk, but long hours at a desk can lead to back, neck, or eye strain, and accidents can still happen; whether you’re commuting, travelling for work, or attending events.
Personal accident insurance provides financial support if you’re injured and unable to work, helping cover living costs or lost income while you recover and get back to business.
Our experts explain why...
“Copywriters do far more than simply write words. They shape how brands, services, and products are perceived, often influencing commercial decisions, marketing performance, and customer trust. From working to tight briefs and deadlines to collaborating with marketing teams, agencies, and business owners, copywriting combines creativity with commercial responsibility.
That’s why copywriting insurance is designed to reflect the real-world risks of professional writing work. Whether you’re a freelance copywriter delivering individual projects or a small business managing multiple client campaigns, your policy is there to support you when issues arise; from allegations of negligence to disputes around scope, content, or outcomes.
Our role is to provide copywriters with the reassurance they need to operate confidently. With flexible cover that adapts as your business grows, you can focus on delivering high-quality work, knowing your insurance is designed to protect both your reputation and your livelihood.”
Mandy Czyz – Senior Underwriter, Protectivity
How much does copywriters insurance cost?
At Protectivity, copwriting insurance policies start at just £4.83 per month.*
Insurance for copywriters is a cost-effective way to protect your business.
Several factors influence the price of your policy. If you use high-value equipment, employ staff, you may need a more comprehensive level of cover. Optional extras like equipment protection, personal accident cover, or employers’ liability can be added to tailor your policy to your specific needs.
Ultimately, investing in copywriting liability insurance helps protect both your livelihood and your professional reputation, so you can take on creative projects with confidence, wherever your work takes you.
Prices from
£4.83* a month
Explainer quote
Policy cost
£4.83* a month
Policy type
Copywriting insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 22/01/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your copywriter insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Do I need insurance as a freelance copywriter?
It’s recommended, but not mandatory. Insurance can protect you from unexpected claims and financial risks.
What happens if a client sues me for copyright infringement?
You may be covered under Professional Indemnity if you have selected this optional extra. It protects you against claims for mistakes, errors, or negligence in your professional work.
Am I covered if I miss a deadline and my client loses money?
No, this is considered your responsibility and is not covered under the policy.
Does my copywriting insurance cover defamation or libel claims?
Potentially, if you have Professional Indemnity cover. This can include claims related to defamation or libel arising from your work.
Am I covered if I accidentally breach GDPR or data protection laws?
No, breaches of GDPR or data protection laws are your responsibility and are not covered.
Does my insurance cover me if I work with clients internationally?
Yes, provided you are based in the UK. You can also add an Overseas Extension to work abroad for up to 30 days a year (EU or Worldwide, excluding USA & Canada).
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 22/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
ˆ10% introductory discount applies to the first-year policy premium only and is not available to current Creatives Insurance customers. Protectivity reserves the right to amend or withdraw this offer without notice. Available to UK residents only.
¹Based on live Feefo data