Writers Insurance

To get a free, no obligation quote, please call us on 01277 243 016 or click here to send us an email

Policies are available for writers (including journalists) and broadcasters. Special reduced rates are available on some types of covers for part-time professionals. For NUJ members, standard writer’s equipment, business and household insurance policies are available at reduced rates.

Please select which category interests you:


NUJ Members

  • Professional Indemnity & Public Liability Insurance – Writer

Who is Writer designed for?

Writer is exclusively available to NUJ members and is designed for professional writers and broadcasters including authors, journalists, reporters, technical writers, script writers, and copywriters. The cover applies to work that you undertake as an individual and also as part of a joint project.

What cover is provided by Writer?

The policy is comprehensive and covers Libel and Slander, Infringement of Copyright, Breach of Confidentiality, Negligence, and Liability to the Public.Cover is automatically included for documents which are accidentally lost or damaged.

Cover is also included for withdrawal expenses if published material must be withdrawn from the market and destroyed for reasons covered by the policy. Legal costs alone can rapidly run into thousands of pounds, so defence costs and expenses for legal cases covered by the policy are included as are costs and expenses in representing you at Official Proceedings.

What types of work does Writer cover?

Cover applies in whatever medium your material is published or broadcast, including books, local and national newspapers, magazines, specialist journals, private publications, websites, TV, radio, video and film. Subject to EU Law, you are insured wherever in the world your work is published or distributed.

Tailored cover

Writer is designed to be tailored to your individual requirements with a choice of levels of cover for the whole policy, and also for individual sections. You can even choose how much you wish to contribute to any claim.

Previously published work

While Writer cannot cover you for problems you already know about, the cover does apply for work you have produced since your NUJ membership started. If you already hold professional indemnity insurance, Writer will cover you from the first date from which you have been continuously insured, if this is before the date you joined the NUJ.

Future liabilities

Writer also provides you with cover after you have stopped producing new work, for example if you retire or are unable to continue working due to ill health. The standard cover continues for 12 months after the end of the policy year in which you stop producing new material, but you can choose to extend this period if you wish.

  • Business & Equipment Insurance

Equipment & Business Property

You can cover all your computer, photographic, video, recording, lighting, and any other business equipment. Computers can also be covered for breakdown and loss of data. There is worldwide cover, no restrictions on the maximum value of single items, and cover for equipment left in unattended vehicles. The policy also covers the cost of hiring-in alternative equipment while your own equipment is being replaced or repaired after loss or damage.

Photographic & Video Portfolio & Sound Recordings

For your archive and portfolio of photographic and video work and sound recordings you can cover re-shoot/re-recording and/or reduplication costs. Also, if you loose any material due to, for example, camera or recording equipment failure or processing problem, you can cover the expenses you incur in re-shooting images or re-recording tapes (such as film and processing and travel, accommodation, sustenance, props, studio hire etc.).

Lost Profit, Additional Costs of Working & Business Money

There are options for covering additional costs incurred or lost gross profit following loss or damage to insured equipment and portfolio/archive material.

Public & Employer’s Liability

Finally, a full business liability package is available where you can select cover for your legal liability to the public and your employees.

  • Household Insurance

Home & Personal Possessions

If you work from home, to get the best possible value for money you can even combine your business/equipment insurance with cover for your home and personal possessions. This means that you can have a single policy for your business and home, with one renewal date, one premium (payable monthly if you wish), and one phone call if you need to make a claim.

Remember, many household policies prohibit you from running a business from home so, if you work from home or if you have any business equipment to insure you, combining your household and business insurance may be your best choice.


Home Based Writers & Broadcasters

Equipment & Business Property

You can cover all your photographic, video, recording, lighting, and computer equipment. Computers can also be covered for breakdown and loss of data. There is worldwide cover, no restrictions on the maximum value of single items, and cover for equipment left in unattended vehicles. The policy also covers the cost of hiring-in alternative equipment while your own equipment is being replaced or repaired after loss or damage.

Photographic & Video Portfolio & Sound Recordings

For your archive and portfolio of photographic and video work and sound recordings you can cover re-shoot/re-recording and/or reduplication costs. Also, if you loose any material due to, for example, camera or recording equipment failure or processing problem, you can cover the expenses you incur in re-shooting images or re-recording tapes (such as film and processing and travel, accommodation, sustenance, props, studio hire etc.).

Lost Profit, Additional Costs of Working & Business Money

There are options for covering additional costs incurred or lost gross profit following loss or damage to insured equipment and portfolio/archive material.

Public & Employer’s Liability

Finally, a full business liability package is available where you can select cover for your legal liability to the public and your employees.

Home & Personal Possessions

To get the best possible value for money you can even combine your journalist’s business insurance with cover for your home and personal possessions. This means that you can have a single policy for your business and home, with one renewal date, one premium (payable monthly if you wish), and one phone call if you need to make a claim.


Writers & Broadcasters based in an office or other business premises

Buildings, Equipment & Business Property

You can cover your buildings, shop fronts, fixtures and fittings, all your computer, photographic, video, recording, lighting, film processing, and any other business equipment. Computers can also be covered for breakdown and loss of data.

There are options for premises only, UK, European or Worldwide cover (including USA), no restrictions on the maximum value of single items, and cover for equipment left in unattended vehicles. The policy also covers the cost of hiring-in alternative equipment while your own equipment is being replaced or repaired after loss or damage.

You can also cover equipment and other property which is not yours but for which you are responsible such as hired-in equipment, customers property which you are working on, or props, set material etc. These covers can be arranged on either a permanent or temporary basis.

Lost Profit, Additional Costs of Working & Business Money

There are options for covering additional costs incurred or lost gross profit following loss or damage to insured equipment and portfolio/archive material.

Public & Employer’s Liability

Finally, a full business liability package is available where you can select cover for your legal liability to the public and your employees.

To get a free, no obligation quote, please call us on 01277 243 016 or fill in the form below to send us an email.

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