Bear in mind, you will have to bear the cost of defending these claims yourself. You should investigate whether the insurance policy will cover more than one version of your work. If your work will be published in hardcover and paperback forms, make sure the insurance policy will cover both versions. Additionally, find out whether the policy covers condensed versions, serializations or audiocassette versions of your work. It may seem like a simple question, but many policy holders fail to ask whether their policy covers claims outside the United States.
Most insurance policies cover claims only brought in the United States.
If your work is going to be distributed outside of the United States, you'd better make sure that your insurance policy will cover claims and lawsuits brought in any country where your work is sold, or translated. Alternatively, with an occurrence policy, it doesn't matter when the claim is made. The premiums for media insurance policies vary depending on the nature of the work and the likelihood of a claim. For example, the premium for a work of science-fiction may be less than that for an investigative report or expose since there is less likelihood of any libel claims. Whether releases and copyright permissions have been obtained.