For 25 years, Freelancers Union has been dedicated to finding innovative solutions to build a new safety net for freelancers. A critical part of that safety net is insurance, because we know that more than anyone else, your budget doesn’t have room for surprise expenses or work interruptions that are out of your control.

One piece we have been in search of for years is liability insurance that really works for freelance writers. That’s why today we are launching a new partnership with Dinghy USA Inc. and NSM Insurance Services, LLC (collectively “Dinghy”)*. Dinghy UK Ltd has been insuring freelancers in the U.K. for a number of years, and is now bringing its innovative service to the U.S.

We know that in this media landscape, more and more risk has been shifted onto the shoulders of freelance writers. You’re responsible for everything from reporting expenses to copy editing, while delivering a brilliant piece of work that you feel good about.

That’s hard enough without having to worry about the threat of a lawsuit. That’s where professional liability insurance comes in. Dinghy offers professional liability insurance protection to writers across 30 different professions — from ghostwriters to translators, journalists, and more — including coverage for legal costs in the event of an alleged or actual claim of libel, defamation, copyright infringement, and more. Whether it’s a client who claims an error on your part cost them money, or an article subject claiming you misrepresented them, liability insurance covers the cost of defending yourself, plus any compensation costs you may be liable for.

Dinghy was designed with freelancers in mind. Just answer a few questions about your work and you’ll be able to get a quote, purchase a plan, and get covered online within minutes. Claims can be filed online 24/7, so you never have to wait for office hours to get your business taken care of.

It’s also affordable, with plans starting at $23/month. Coverage ranges from $100,000 to $2,000,000, so you can choose the amount of protection you need based on your business. Are you a historian writing about ancient Egypt? You’ll probably need less coverage than a journalist who covers modern politics. (But that’s a call you should make for yourself!)

These writer insurance plans provide worldwide coverage,. They also include $25,000 of data incident recovery expenses (in case your client data becomes compromised) and $10,000 in non-party investigation expenses (to cover costs if you need to provide support to an investigation into a third-party, such as one of your clients) at no extra cost.

We’re thrilled to be able to fill this gap for the writers in our freelance community. Together, we’re building a total freelance safety net, one thread at a time.

*Dinghy USA Inc is licensed to sell insurance in Massachusetts, New Jersey, Pennsylvania, and Virginia. NSM Insurance Services LLC is licensed to sell insurance in all remaining states.