Copywriters’ professional indemnity insurance

The last word in protection ...

Professional indemnity
from
£10
a month

Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander. We offer up to £10,000,000 cover.

+ Public liability
£4.40
a month
£1,000,000 for physical damage and injuries caused by your business
+ Employers’ liability
£3.30
a month
£10,000,000 legally required cover for employers

Summary of cover

A quick-reference, all-you-need-to-know guide to the insurance you’re getting.

Download PDF
[0.1 MB]

Policy wording

The formal bit of the policy, detailing exactly what is and isn’t covered.

Download PDF
[0.5 MB]
Based on an annual income of up to £25,000. All prices include IPT at 10%.
Quote online for turnovers up to £5,000,000, or call and talk to an expert.

Write on

Finding the words is the easy bit. Making sure they generate business for your clients – that’s the trick.

And if the results don’t come, you could find a finger pointing in your direction. All the words in the world won’t make a difference then. Thankfully, copywriters’ professional insurance will.

Why do copywriters need professional indemnity insurance?

Some sparkling product copy here. An SEO-friendly blog post there. A punchy direct mail to seal the deal. Easy as that.

Or is it?

What happens when your client’s website doesn’t convert? Or they drop off Google page one? Or those mailers cost far more than they return? Your clients want value for their marketing money and they’ll ask you some tricky questions if they think they’re not getting it.

Give the wrong answers and things can turn sour pretty quickly.

Oh, and you’ve heard of plagiarism, right? Thanks to the internet, complaints about your work can come from anywhere – not just your clients. You can prove those words are yours but doing so takes time (away from your business) and money (for a solicitor).

So, can you risk your business – and your reputation – fighting negligence allegations? Having professional insurance means you won’t have to. Your insurer takes on your defence, pays your legal bills and, if needs be, compensates your client too.

How much professional indemnity insurance do I need?

Copywriters’ insurance protects your business. No one else’s.

And as every copywriter has different clients – wanting different things – you need to think about what can go wrong with yours. Here’s where it pays to be pessimistic. Think about worst-case scenario: what’s the most expensive mistake you could make (or be accused of making)? How much will it cost to fix?

The bill to defend you can be many tens of thousands of pounds, and the bill to compensate your client even more. Your level of cover has to be enough for all this.

You can never have too much cover, of course, but that costs money. It’s a tricky one to get right. Have a read of this guide or call us if you need more help.

What does professional indemnity insurance cover?

Negligence claims and allegations made against you by clients and third parties, because of mistakes you’ve made and things you’ve failed to do.

Specifically (but depending on the policy wording):

  • Defamation
  • Intellectual property infringement
  • Loss of documents or data
  • Negligent misrepresentation or misstatement
  • Employee dishonesty
  • Virus transmission
  • Breach of confidentiality
  • Failure of third-party equipment

But that’s not all. Some professional indemnity policies can fix a mistake before your client is even aware of it, thereby preventing a claim in the first place.

Clever stuff.

What else do I need?

Public liability insurance is for when you go out and about on business, or have visitors to your studio. It’s for claims of physical damage to property and people. Useful if you’re clumsy.

Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your studio (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the studio (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up – it’s probably worth more than you think.

Business interruption insurance means you can still work when your studio’s out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.

Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.

Why should I buy my insurance from you?

Glad you asked.

The simple answer is: we know what we’re doing. Professional insurance is all we do so we know what you need, even if you don’t.

We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.

We do all that while treating you like a human being, too. You won’t find a call centre here. Or a phone menu. And we’ve banned nonsense insurance jargon.

Anything else? Well, there’s the great stuff you get, such as 20% off everything at MOO. We have an ‘I’m insured!’ badge for your website too – perfect for the professional professional.

Also, we’ll give you money each time you recommend us.

Plus, every insurance-related question you can think of is answered in our School of Risk, and you’ll get our quarterly risk advice email – ‘The Waggle’ – to help you avoid problems in the first place.

If you’re after a second opinion, have a look at our customers’ feedback. They’re the ones you should really listen to.

What other copywriters say about us
Extremely straightforward and clear website and simple to identify the correct insurance needed. Very pleased.
Very good phone contact, the person I spoke to was quick to understand what I needed, provide suitable quotes and explain the difference. Nice relaxed manner. Didn't have to go through it all again when I phoned back later. Documents delivered electronically and very quickly. Really pleased with the service.
Very quick and comprehensive.
The service was swift, incredibly helpful and one I would recommend!
It was really good to speak to someone who knows their business back to front - and how their product relates to my company. I was really impressed with the service from PolicyBee - and now feel I can sleep easier knowing my company is protected with a policy that is right for the level of business we do. Thank you.
Read more than 2,100 positive reviews on Feefo

Prefer to chat?

We’re here Mon-Fri, 9-5.30.
Give us a ring on 0345 561 0320.
Or ask us to ring you.
Sarah Adams
Senior Account Executive