YouTubers have become some of the highest-earning content creators online. There’s a multitude of genres, content forms, and channel types that YouTubers can earn from. The high-reward aspect of YouTube also has a high financial-risk factor, which you can mitigate by having the right media or influencer insurance.
Since its start, YouTube has reached over 2.7 billion users and released a Premium version of the platform called YouTube Premium (previously called YouTube Red.) It has also added a variety of forms of content creation after the original long-form videos, such as Shorts, Live Streams, and much more.
Over the years, we’ve seen many YouTubers rise to fame and lose it all within minutes. Viewers, brands, and other stakeholders can sue content creators based on financial fraud, defamation claims, unsuccessful paid brand partnerships, false claims, and other legal claims. This unstable environment makes YouTuber insurance a necessity to act as a safety net for their lost income and other costly setbacks.
Risks for YouTubers
Defamation
YouTubers could be sued for defamation if they say something false and harmful about someone in their videos
Copyright infringement
YouTubers could be sued for copyright infringement if they use copyrighted material in their videos without permission, such as music, sound effects, or excerpts from other works.
Privacy invasion
YouTubers could be sued for privacy invasion if they disclose someone’s private information in their videos without their permission.
Targeted Hacks
YouTubers often have large followings on social media, which makes them a valuable target for cybercriminals. If a YouTuber’s account is hacked and they are unable to access it, they may lose out on opportunities from sponsorships, brand deals, and other sources of income.
YouTuber Insurance Coverage & Policies
These coverages form the foundation of any risk management program for YouTubers:
General liability insurance protects YouTubers from third-party claims of bodily injury and property damage that may arise out of their YouTube business. For example, if a YouTuber is filming a video in a public place and someone trips over their equipment and is injured, general liability insurance could help cover the cost of the injured person’s medical bills.
Errors and omissions insurance protects YouTubers from claims of negligence, mistakes, and errors related to their work. For example, if a YouTuber gives incorrect financial advice in one of their videos and someone loses money as a result, errors and omissions insurance could help cover the cost of the damages. Or, if a YouTuber makes a factual error in one of their videos that damages someone’s reputation, errors and omissions insurance could help cover the cost of defending the YouTuber in a defamation lawsuit.
Content creator insurance is a comprehensive insurance policy that covers YouTubers from a variety of risks, including copyright infringement, defamation, privacy invasion, errors and omissions, and cyber liability. Content creator insurance is a good option for YouTubers who want to have all of their insurance needs covered in a comprehensive package.
Property insurance protects YouTubers’ equipment and inventory from damage or loss. For example, if a YouTuber’s camera is stolen or their office is flooded, property insurance could help cover the cost of replacing the damaged or lost items.
Media liability insurance for YouTubers is a newer concept but one that’s been long overdue. YouTubers have had monetized channels for more than a decade, which are vulnerable to reputational and financial risk due to legal claims. Paying a sensible insurance cost for media liability as a YouTuber can help you save plenty on potential legal defense costs.
The cost of media liability insurance is on par with other business insurance types. The total cost is calculated based on the nature of, and coverage level for, the different types of policies you opt for.
Your YouTuber insurance coverages can help with lost profits, damages and legal fees, breached contracts with sponsors or advertisers, copyright infringement claims, and more of such claims. It can also give you support for cyber crimes committed against you, such as data breaches, which are a growing concern for online media and advertising professionals.
YouTuber insurance isn’t one-size-fits-all, so we believe in creating a custom-built insurance package that suits your requirements and budget. By covering areas such as data protection, product related liability, professional liability, and other common liability risks, you receive substantial financial protection.
The cost of insurance for YouTubers will depend on several things, including the company’s size and development stage. Other factors include:
Exposures: risks being insured
Company practices: views on safety, compliance, and risk management
Program structure: the amount of deductible and willingness for a company to assume more risk
Claims history: the type and amount of past claims against the company
YouTuber insurance is not legally mandated, but it is highly recommended for creators who are serious about their content and brand. As YouTube continues to be a prominent platform, potential risks such as copyright infringements, content disputes, and equipment damages can arise, making insurance an essential safeguard.
The required amount of YouTuber insurance largely hinges on factors like the nature of content, the cost of your equipment, potential collaborations, and the extent of your reach. While a hobbyist might need minimal coverage, a full-fledged YouTuber with regular uploads and a large subscriber base might require comprehensive protection. Assessing your specific risks and consulting with an insurance expert can guide you to the right coverage amount.
Business liability insurance provides a protective financial shield against claims resulting from injuries, damages, or negligence that occur during business operations. This encompasses scenarios like physical injuries on business premises, property damages, and certain types of personal or advertising injuries. Essentially, it ensures that unforeseen business-related incidents don’t result in crippling financial setbacks.
Content Creator Insurance Insights
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Jonathan Selby, Media Practice Lead
Meet your Creator Insurance specialist
Jonathan spent the first five years of his professional insurance career working as a generalist broker at a traditional firm on Long Island. Intrigued by how to leverage technology in the industry, he joined the Founder Shield team in 2016 and quickly grew into his current leadership role of General Manager. Jonathan works to oversee client strategy and communication, and has fostered a culture of providing unparalleled service and risk consulting for some of the fastest growing companies in the world.
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