Insurance for influencers

What does influencer insurance cover?

Influencer insurance covers you when a person, company or brand accuses you of defamation (where you’ve tweeted, posted or said something that’s damaged someone’s reputation), contract breach or some other wrongdoing.

Could be you’re accused of not getting the desired number of ‘likes’ or followers when promoting a product for someone. Or of infringing a photographer’s copyright after posting their photo without permission.

Instead of leaving you to compensate the injured party out of your own pocket, your policy hires a legal team and settles the claim on your behalf.

It’s always best to check the policy wording. But your influencer insurance should cover:

• Defamation (including slander and libel)
• Negligence
• Intellectual property infringement and copyright issues
• Breach of confidentiality
• Breach of contract
• Unauthorised access to your social media
• Some breaches of advertising statutes and codes

Who needs influencer insurance?

Influencer insurance is for anyone with a large social media audience. That’s 10k followers or more.

It covers influencers, social media and content creators working in any number of areas – from lifestyle and beauty through to fitness and food.

It’s protection for if you promote products or services for a client or brand. Whether that’s via social media channels, press interviews or media broadcasting (radio, TV).

And it’s not just for influencers and social media personalities. Public speakers need it too, in case they say something they regret later on.

In short, you need it if you’re any one (or combination) of the following:

• Social media influencers
• Paid content creators (YouTubers, bloggers, content streamers etc)
• Sports personalities
• Podcasters and TV/radio presenters
• Public figures (actors, celebrities etc)
• Lecturers or public speakers

How much does influencer insurance cost?

What you pay depends on the limits of your cover and the size of your audience. Stands to reason the more channels and followers you have, the greater your risks.

You should also consider the clients and brands you work for, what you do for them and how much they pay you to do it. It all helps build up your ‘risk profile’.

Other things like producing your own merch and whether or not you allow someone else to create content on your behalf can increase the cost too.

What other insurance might I need?

Portable equipment insurance covers all the essential tech you carry around with you and that your influencing relies on. Like laptops, phones, cameras… you get the idea. It pays to repair or replace your gadgets and gizmos as new if they’re damaged, lost or stolen.

And what about if you can’t post because you’ve been hacked? Your influence drains away, that’s what. Cyber insurance helps you recover from a cyber-attack asap, and provides fast-track technical, legal and financial back-up.

Why choose us?

The short answer is: we specialise in business insurance. So we know what you need, even if you don’t.

We also know that getting business insurance can be time-consuming and complicated. So we make sure that it’s simple and quick.

Oh, and we don’t bother with any of that insurance jargon that you’ll get elsewhere.

You can get a quote, buy a policy, and receive your documents without ever needing to pick up the phone. But our team of expert advisers are here, if you need a helping hand.

There’s also some great benefits up for grabs. Like a bit of extra cash whenever you recommend us to someone who then buys a policy. And a neat badge for your website that shows your customers that you’re insured.

Looking for a second opinion? No problem! Have a look at our customer feedback.