Professional Liability Insurance For Authors

The Importance Of Insurance For Authors

As an author in Ontario, Canada, you really need a good authors professional liability insurance policy. If you haven’t worked with an authors E&O insurance agent, you should do so as quickly as quickly. Even if you write fiction novels, there is a possibility that something is going to go wrong. Someone might accuse you of stealing their story. Or, you might be accused of plagiarizing someone’s work. You could even be accused of slander and libel. If this happens and it was a complete mistake, professional liability insurance for authors could help.

The scenarios mentioned above are one of the many reasons why professional liability insurance is needed to protect you from such claims. You can easily get professional liability insurance quotes for authors online and you should definitely do just that. An authors PLI insurance policy will make a huge difference. It will protect you from many of the aforementioned problems. Nevertheless, it might not be enough.

We recommend having $1 Million worth of Professional Liability along with $1 Million worth of CGL as an author to protect your liability exposures. Rates starting from $40/Month!

 

Professional Liability Insurance For Authors

 

Additional Coverage Options

When it comes down to it, an authors professional liability insurance broker cannot protect you from all potential problems. This is why you should get in touch with your broker immediately and ask them about other coverage options. There are plenty of other policies options that can help. Some of the additional coverage options that you may need will be explored in more depth below.

Libel Insurance

Are you going to be writing about recent or past events? If so, there is a possibility that you’re going to commit libel. You may not realize it at the time, but it could come back to haunt you in the future. You seriously need to make sure that your works of art are protected by libel insurance. After all, you should feel free to express yourself. It is in your best interest to acquire at least $100,000 coverage per claim.

Libel Insurance Recommended Limits – $100,000 Per Claim / $1,000,000 Aggregate

Commercial General Liability Insurance

Many authors will believe that general liability insurance is not a necessity for them. This couldn’t be further from the truth. In reality, a lot of contracts and lease agreements will require you have this type of insurance. This type of insurance can protect you from claims of bodily injury and property damage. More importantly, it will protect you from advertising injury claims. This is something that could go wrong with one of your books. The risks are minimum, but it is still essential to protect yourself from potential mistakes. $100,000 per claim is likely enough for the average author.

CGL Insurance Recommended Limits – $100,000 Per Claim / $1,000,000 Aggregate

Business Owner’s Policy

When it comes down to it, general liability is only going to provide you with partial protection. You may also need a business owner’s policy. This can protect you from additional risks. A BOP policy will offer protection for business property, auto liability, business interruptions and so much money. This is one of the most affordable ways to protect your business from risks often faced by authors.

Business Owner’s Policy Recommended Limits – $200,000 Per Claim / $2,000,000 Aggregate

authors and writers insurance

 

Potential Costs

Believe it or not, authors will be required to spend a great deal to protect themselves and their business. Nevertheless, the insurance is going to be well worth it in the long run. After all, it could keep your business afloat in the event of a problem. Below, you will learn about the potential costs of the insurance that you need.

  • Libel Insurance – $25 a month
  • CGL Insurance – $45 a month
  • Business Owner’s Insurance – $30 a month

You need to understand that the prices can vary significantly from one business to the next. The size of your business, its financial history, workers compensation needs, and your personal credit score could change the prices. When it comes down to it, you need an accurate estimation. The best way to get it is by getting in touch with us. All you need to do is visit our website and fill out the form. Within a short period of time, you’ll get a free quote. You can also get in touch with us via email or phone. We’re always willing to answer any question you may regarding quotes, coverages, and how claims are processed in the event damages occur.

Do not hesitate to get in touch with our Ontario representatives today.

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FAQ before purchasing author professional liability insurance

Other useful posts you should also read

 

Other professions we also provide insurance for:

Academic Testing Centers
Accident Investigation
Accident Prevention Consultants
Accountants
Actuaries
Adjusters
Adoption Agencies
Advertising
Advertising Agencies
Advertising Agents & Services
Aerial Mappers
Agents
Agrologists
Agronomists
Alarm Monitoring Services
Allied Health Professionals
Alternative Dispute Resolution Firms
Alternative Energy
Answering Services
Anthologist
Anthropologist
Appraisers
Arbitrators & Mediators
Arborists / Tree Surgeons
Archaeologists
Architects
Architects & Engineers
Architectural technicians and technologists
Associations
Attorneys
Auctioneers, Auction Houses
Authors
Bailiffs
Blueprint & Photocopy
Boat Registrars
Bookkeepers
Broadcasters
Building Designers(Bill 124)
Business Brokers/Managers
Business Consultant
Business Enterprise Agencies
Business Training Courses
Cabling Designers
Camera & Photo Supply Stores
Careers Advisory Service
Catering Consultancy
Cereal Growing Advisors
Chambers of Commerce & Trade
Charities
Chiropodists
Chiropractors
Civil engineers
Claims Adjusters & Administrators
Collection Agencies
Commercial Printer
Communication Consultants
Company Formation
Company Search Agency
Conference & Event Management
Conference Facilities & Services
Conservation Consultants
Conservation Organizations
Consultants
Consumer Organisations
Contest Managers
Contractors Accountants
Convention Planners
Copywriters
Counselling & Advice Services
Court Reporters
CPA/CMA
Credit Reference Services/Bureaus
Custom House Broker
Customs & Forwarding Agents
Data Processing Services
Database Managers
Day Spas
Decorators – Interior
Dental Laboratories
Designers
Dietitians (Consulting)
Directors
Directors and Officers
Documentary creators
Employment Agencies
Employment Agencies/Recruiters
Employment Placement Agencies
Energy Audits & Assessments
Engineers
Environmental Engineers
Event Planners
Excess & Umbrella Liability
Filmmakers
Fitness Clubs
Foreign Legal Consultants
Holistic Professional
Home inspectors insurance
Immigration Consultants
Independent Contractor
Industrial Designers
Information Technology
Interior Designers
IT Contractor
IT Specialist/Technician/Programmer
Journalists
Lawyers
Lawyer’s Excess Professional Liability
Long Term Care
Management Consultants
Mediators
Medical Clinics
Medical Devices
Medical Professionals (Malpractice Insurance)
Medical Related
Medical Student Malpractice Insurance
Mortgage Brokers
Multimedia designers
Naturopaths
New Media
Occupational Health and Safety Consultants
Paralegals
Photographers
Placement Agencies
Podiatrists
Private Investigators
Process Servers
Product Designers
Professional Entertainers
Professional Organizer
Professionals Liability
Project Managers
Property Managers
Publishers
Publishers and Printers
Quality Control Consultants
Recruiters
Recruitment and Employment Agency
Recruitment Consultants
Research & Development
Roofing Consultants
Safety Engineers
Service Organizations
Solar & Wind Farm Engineers & Consultants
Spa Package
Structural Engineers
Sub-Contractor
Surveyors
Tax Prepares
Technology Companies
Therapist Professionals
Town / Urban Planners
Training Providers/Trainers
Translators etc.
Travel Agencies
Travel Agents
Travel Agents, Tour operators
Web Designers
Web-Site Designers
Workplace Engineers & Consultants