Dinghy / NSM FAQs

Dinghy is the world’s first insurance provider exclusively for freelancers. Founded in 2017 in the United Kingdom, Dinghy is now part of NSM Insurance Group, a global leader in specialty insurance programs. With NSM, we are expanding our proven model and revamping insurance for freelance writers across the US.

We are licensed in all 50 states, including the District of Columbia. You can see the list of our licenses on our licenses page. However, we are only able to offer writer insurance in 46 states, which excludes Alaska, Hawaii, Vermont and Wyoming.

Professional Liability is insurance designed for professionals whose mistakes could cause their clients a financial loss. We offer writer insurance which covers media liability, providing cover for alleged or actual Libel & Slander, Defamation, Copyright Infringement and Errors & Omissions claims should a client or third party sue you for damages.

As a freelancer, the risk to your finances should a legal dispute arise can be crushing, even if you haven’t done anything wrong. Legal costs can escalate quickly, let alone any compensation you may have to pay. For less than one dollar a day, you can buy $100,000 of coverage, providing peace of mind and allowing you to focus on what you love to do.

The cost of writer insurance depends on your business activities. Some occupations are exposed to more risk, and potential claims, than others. Also your premium changes based on some of the methods you use to run your business. We offer writer insurance starting from $23 per month for $100,000 of professional liability insurance.

No. Some clients require that freelancers have professional liability insurance, but it is not required by law. That doesn’t make it any less essential, especially for professionals working independently.

It depends on the work you are doing and the size of potential claims. For instance, a political writer contributing to national publications will need a much higher limit than a historian who writes books about the Civil War. As a rule of thumb, imagine the worst financial loss you could create for your clients, then double it to include legal fees and round it up to the next available limit.

Your “each claim” limit is the maximum amount your policy will pay for any claim made and reported during the policy period. The “aggregate” limit is the total amount for all claims that your policy will pay.

For instance, imagine you buy a policy with a $100,000 each claim limit and a $250,000 aggregate limit, shown as $100,000 / $250,000. You could have a claim that costs $100,000 in legal fees and compensation. You then still have $150,000 of your aggregate limit remaining for any additional claims during the policy period.

However, if you had a first claim of $150,000, the insurance would only pay $100,000, as that is the maximum amount for any one claim. You would need to cover the remaining $50,000 of the claim. Your policy would still have $150,000 of your aggregate limit left to cover any new claims made against you.

Self-insured retention is the amount of the claim that you must pay before insurance pays. You can choose to have a $0 retention, which means the insurer will pay all of your claims from the ground up, up to your policy limits. Typically the more you increase your retention, the lower your premium becomes.

We ensure 30 different writer occupations, including authors, biographers, bloggers, columnists, copywriters, creative writers, critics, digital writers, editors, essayists, ghost-writers, historians, interpreters, journalists, literary editors, lyricists, novelists – fiction, novelists – nonfiction, playwrights, poets, researchers, satirists, screenwriters, speechwriters, script editors, sub-editors, technical writers, translators, website content writers and writers.

Here is a full list of our the writer occupations we currently insure:

OccupationProfessional Service Definition
AuthorAuthor Services performed by the Insured for others for a fee, related to the creation or origination of any written work such as books, articles, plays, poetry, or reports created by the Insured. Author Services excludes any services as a journalist, columnist, blogger or translator.
BiographerBiographer Services performed by the Insured for others for a fee, related to the writing of another person’s life story, either by interviewing that person or conducting reasearch from other accounts.
BloggerBlogger Services, is a writer or group of writers sharing their own views, experiences, observations and opinions on varoius subjects on their own blog site or other blog sites by the Insured for others for a fee or no cost.
ColumnistColumnist Services, is a writer for publication in a series, creating articles, offering commentary and opinionins in newspapers, magazines and other publications including blogs by the Insured for other for a fee.
CopywriterCopywriter Services performed by the Insured for others for a fee, related to creating, writing copy and text to sell products or educate and engage consumers on websites, blog post, product descriptions, email blast, banner advertising, newsletters, Public Service Announcements or social media platforms.
Creative writerCreative Writer Services performed by the Insured for others for a fee, related to the expressing of ideas and thoughts through writing in an imaginative way through novels, poems, epics, short stories, screenplays, songs, television script, or on a blog site. Creative Writer Services excludes any services for academic writing, textbooks, journalism, or technical writing.
CriticCritic Services performed by the Insured for others for a fee, related to the judging, evaluating or analyzing of literary, artistic works, food, spirits or performances for a newspaper, magazine, website or blog.
Digital writerDigital Writer Services performed by the Insured for others for a fee, related to the writing, developing, editing and publishing content and copy for a variety of platforms, including websites, blogs, videos, email marketing campaigns, advertising campaigns, social media post, infographics or whitepapers.
EditorEditor Services performed by the Insured for others for a fee related to determining the final content of text for publication.
EssayistEssayist Services performed by the Insured for others for a fee.
GhostwriterGhostwriter Services, the writing of material for someone else who is the named author performed by the Insured for others for a fee.
HistorianHistorian Services, performed by the Insured for others for a fee as an expert in history, a particular period, geographical region, or social phenomenon
InterpreterInterpreter Services performed by the Insured for others for a fee related in the conversion of a thought or express from a source language into a target language with comparable meaning 
JournalistJournalist Services performed by the Insured for others for a fee related to writing for a newspaper, magazine, or news websites or prepares news to be broadcast. Journalist Services excludes undercover research, police car ride-along, or use of hidden cameras or microphones.
Literary editorLiterary Editor Services performed by the Insured for others for a fee related to the editing newspapers, magazines or similar publication, books as well as proof reading and copy editing.
LyricistLyricist Services performed by the insured for others for a fee related to writing the words for a musical composition.
Novelist – fictionNovelist – fiction Services performed by the Insured for others for a fee, related to the creation or origination of any written work such as books, articles, plays, poetry, or reports created by the Insured. Novelist – fiction Services excludes any services as a journalist, columnist, blogger or translator.
Novelist – nonfictionNovelist – nonfiction Services performed by the Insured for others for a fee, related to the creation or origination of any written work such as books, articles, plays, poetry, or reports created by the Insured. Novelist – nonfiction Services excludes any services as a journalist, columnist, blogger or translator.
PlaywrightPlaywright Services performed by the Insured for others for a fee related to writing plays.
PoetPoet Services performed by the Insured for others for a fee, related to the creation or origination of any written work such as books, articles, plays, poetry, or reports created by the Insured. Poet Services excludes any services as a journalist, columnist, blogger or translator.
ResearcherResearch Services performed by the Insured for others for a fee related to or involving discovering or verifying information for use in books, newspapers, magazine, or similar publication,, television programs, radio, website, or blog,. Research Services excludes scientific or medical research.
SatiristSatirist Services performed by the Insured for others for a fee related to the purpose of being humorous, constructive of social criticism, or drawing attention to issues.
ScreenwriterScreenwriter Services performed by the Insured for others for a fee related to writing content for visual mediums, screenplays for films, short films, television, commercials or video games.
Script editorScript Editors Services performed by the Insured for others for a fee related to editing television programs, finding new script writers, developing storylines and series ideas with writers, and ensuring that scripts are suitable for production,
SpeechwriterSpeechwriter Services performed by the Insured for others for a fee related to writing speeches for others to deliver.
Sub-editorSub-Editor Services performed by the Insured for others for a fee, related to checking and correcting articles before they are published or printed.
Technical writerTechnical Writer Services performed by the Insured for others for a fee related to writing and creation of instructions, user guides, and other technical documents.
TranslatorTranslator Services performed by the Insured for others for a fee related to the transference of meaning from text to text to produce an accurate document or verbal artifact.
Website Content writerWebsite Content Writer Services performed by the Insured for others for a fee related to specializing in providing relevant content for websites, copy that contains Search Engine Optimization (SEO) or writing Pay-Per-Click (PPC) advertising.
WriterWriter Services performed by the Insured for others for a fee related to writing books, stories, articles, reports, or similar documents as an occupation or profession.

As we make our debut in the US, we are focusing our initial launch on writer insurance only. If you are a writer and your occupation isn’t listed, please get in touch with us via chat or email.

If you are interested buying insurance from us but not a writer, sit tight! We are building out an exciting product for all freelancers based on our success in the UK, which we are launching in 2021.

Freelancers know better than anyone that flexibility is the name of the game. With us, you can decide if you want to pay annually or monthly, with no extra charge.

Yes, all insurance policies we sell auto-renew every 12 months. You will receive an email notifying you of your renewal 30 to 60 days before your policy renews. We don’t believe you will find a better policy, but we are happy to give you a heads up so you can find out for yourself.

Yes you can; and there are no cancellation fees. Zip. Zilch. Nada. If you are not happy for any reason, just sign in to your account and cancel.

This is free coverage that is included with all writer insurance policies we sell. If you are hacked or lose sensitive client data, your policy will cover the expenses for investigating the source of the hack and informing your clients about the data leak.

This cover is a $25,000 sub-limit of your Professional Liability policy, meaning if you make a claim under this section of your policy, you will reduce the aggregate amount of insurance remaining for any Professional Liability claims.

This is additional free coverage included with all writer insurance policies we sell. If one of your clients becomes subject to a legal or regulatory investigation and you are asked to provide data, we will cover your costs for searching your computers, hard drives, etc. for any client records, up to $10,000.

With your insurance you receive access to your own self-service area. In this online area you can report a claim anytime 24/7 by answering a few simple questions. Your claim notification is then sent straight to the experienced liability claims team who will contact you on your preferred phone number. No hold music, no having to wait for office hours to file a claim. Easy access, 24 hours a day, 7 days a week.

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