Professional indemnity insurance protects you and your clients if something goes wrong with your work. It covers claims arising from mistakes, negligence, or breach of professional duty.
Public liability insurance is also required if you meet clients in person or work from premises other than your own home.
Cyber insurance is recommended if you:
- Store client data or sensitive documents on your own devices
- Work in regulated sectors (healthcare, financial services, legal)
- Input confidential information into AI tools or third-party platforms
- Manage client websites, email systems or digital assets
Need insurance? Many providers offer policies for freelance writers from around 100-150 GBP per year.