Public Liability Insurance

Your business has a duty of care to any person or property around it. This duty applies at any location you (or your representatives) carry out work, such as book signings, conferences, market stalls, meetings, workshops or public speaking engagements.

While it may not be your fault or your intention to cause harm to others, accidents do happen. Hence, it's important to have adequate financial protection in place.

What is Public Liability Insurance?

Public Liability Insurance protects against the financial risks of being found liable for a third-party death or injury, loss or damage to property or economic loss resulting from your business activites.

Why do Authors need Public Liability Insurance?

Whether you work from home or an office as an author or writer, Public Liability can help to protect you from financial loss if you’re found liable for damage to a person or property.

Injuries to third parties caused by simple slips, trips and falls are a common source of public liability claims. These claims can arise on a client visit to your home or premises, or during public events and speaking engagements.

Given your duty of care to third parties, and the difficulty in preventing the unpredictable circumstances that lead to claims; Authors and writers are often asked to provide proof of a current Public Liability Insurance policy by organisers and venue owners prior to working at events or private venues.

What does this Insurance cover?

A Public Liability Insurance policy will typically cover you for:

  • Payment up to the limit of liability for the property injury associated with a Authors occupation, as compensation to a third party:
    • Including advertising injury
    • Defence costs
  • Payment up to the limit of liability for the personal injury risks associated with an Authors occupation, as compensation to a third party

Key Features

The Public Liability insurance policy typically covers:

  • Broad wording
  • Industry based insurance tailored to Authors - basic liability risk only
  • Multiple limits and options on cover to suit individual needs
  • Worldwide cover
  • Capped premiums
  • All claims are locally managed
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Further Information

For any further enquiries, please don't hesistate to contact our friendly team of brokers who are licenced to provide you with personalised risk management advice.

The information provided is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. If you require advice that is tailored to your specific business or individual circumstances, please contact Coverforce directly.

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ASA Members can request a quote now by completing the form below. You will recieve a response within one business day.

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