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As a freelance writer, you don’t have an employer who offers you health insurance. Especially now, in the U.S., where I’m thrilled that there are more options for health insurance for self-employed freelancers than ever before.
Do authors get medical benefits?
The Writers’ Guild-Industry Health Fund provides medical, hospital, dental, prescription, vision, wellness and life insurance benefits to its Participants and their eligible Dependents.
Health Insurance for Writers
- Actor’s Fund. (212) 221-7300.
- American Association of Retired People Health Care Options. (1-800) 444-6544.
- College Art Association Group Insurance Plan. (212) 691-1051.
- Cultural Alliance of Greater Washington.
- Editorial Freelance Association.
- Fractured Atlas.
- Freelancer’s Union.
- Kids Now.
What do authors do for health insurance?
The Authors Guild is excited to announce a new health insurance benefit for members to help you navigate your state’s Affordable Care Act (ACA) marketplace exchanges and find the right healthcare plan for you and your family, as well as purchase dental, vision, critical care, and other supplemental insurance plans.
Do writers get insurance?
What Kind of Insurance Should Writers Get? The type of insurance a freelance writer will typically get is called Professional Liability Insurance or Media Liability Insurance. This might also be called Errors & Omissions Insurance.
Do authors need insurance?
Any writer or author who has set up his or her own small business should consider a general liability policy – it’s often required for contracts and other agreements.
Does a freelance writer need insurance?
There are three types of insurance that every freelance writer needs: liability, property and medical. Liability: Liability insurance covers you against legal action related to your work. If you make a mistake that causes damage to your client, the insurance company, rather than you, foots the bill.
Why Do Writers Need Professional Indemnity Insurance? The words you craft could make people smile, intrigue others, raise questions or even offend. Copywriters need professional indemnity insurance to guard against the latter, and to protect them if they inadvertently supply inaccurate or misleading copy.
Do you need an LLC as an author?
Limited liability company: As its name implies, an LLC offers protection from liability for an author—though less protection than would be provided by full incorporation. LLCs allow authors to set up a separate legal entity, protecting their personal assets in the case of lawsuits.
General liability or business liability: Any writer or author who has set up his or her own small business should consider a general liability policy – it’s often required for contracts and other agreements.
How do freelance writers get insurance?
Freelance writers will need to find health coverage either through an association they belong to or directly to a provider. While there are exchanges and marketplaces where you can buy insurance, many will be expensive if you’re buying as an individual, especially if you’re trying to cover your family.