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Content Creator Insurance
Content creator insurance protects individuals who create and publish content online, specifically in the social media space. Influencers and content creators are often sued for promoting or recommending and endorsing third-party products when someone claims personal injury due to the product. Content creator insurance responds to these situations by protecting the “named insured” or creator against third-party lawsuits.
What Is Content Creator Insurance?
As a kind of media liability policy, content creator insurance is also known as influencer insurance. This coverage is tailored specifically for the social media space, protecting content creators against third-party lawsuits. Some common allegations include defamation, libel, slander, plagiarism, copyright infringement, etc.
Unlike other media liability policies in the commercial insurance industry, our coverage is unique because it caters to creators whereby the “named insured” on the policy is the individual creator; traditional policies need an LLC. Additionally, our content creators’ insurance provides the following extensions:
- FTC Investigation and Defense Costs (i.e., #ad)
- User Generated Content
- Contractual Liability (i.e., promotions with brands)
- Freelancers and Contractors
Furthermore, our policy covers creators of many kinds on various platforms and social media channels, including Instagram, TikTok, YouTube, Twitch, etc. Content creators and influencers who promote or recommend and endorse third-party products typically encounter the contractual liability requirement as the risk of getting sued has increased significantly over the past several years. Content creator insurance is the safety net most brands require and creators need.
Content Creator Coverage
Content creator insurance protects creators in many spaces, including lifestyle, makeup, fashion, gaming, etc. As mentioned, this policy covers creators on various platforms and social media channels. With such a broad safety net, many creators and influencers benefit from this media liability protection.
Who Needs Content Creator Insurance Coverage?
Instagram Creators
As a popular platform to launch new products and services, IG creators must protect themselves against costly lawsuits.
YouTube Creators
Much like IG, YouTube is often the “go-to” place for information, so creators must be aware of the risks of educating such a broad audience.
Twitch Streamers
Like many platforms, Twitch is designed for entertainment — but inundated with various opinions and recommendations, making it ideal for legal liability cases to surface.
TikTok Creators
With only a limited time frame to deliver a message, TikTok creators must be extra cautious on their content delivery.
Agencies
Longevity in the digital space requires agencies to protect themselves against lawsuits, especially in an increasingly litigious society.
What Does Content Creator Insurance Cover?
This policy protects creators from lawsuits involving their social media activities. While it’s tailored to creators, it’s the same robust coverage that media agencies buy, but with a more affordable price tag. It has many benefits, from providing content creators peace of mind amid a litigious society. Also, obtaining this coverage can fulfill contractual liability requirements, putting you at the top of the list with popular brands.
Defamation
Whether purposefully or unintentionally, defamation claims are a notable concern for creators. What’s more, creators must prioritize staying on the right side of the law. In other words, transparency is a must — but it’s not always followed to a T. Slander and libel are two widespread issues social media creators must watch closely, as well.
Personal Injury
Advertising injuries, which fall under the personal injury category, are a real concern. Advertising injuries impact the reputation of a business or a person. Naturally, influential words can affect others in a plethora of ways. Along with personal offense, some companies suffer reputational loss, customer termination, and financial damage because of something an influencer posted on social media.
Regulations
For example, the Federal Trade Commission (FTC) recommends creators to use the #sponsored or #ad hashtags to identify sponsored content. However, only about half of creators put those hashtags to good use. A handful of creators never label their content whatsoever. And that’s just for starters — the FTC has plenty more poorly-followed regulations begging for legal ramifications.
Targeted Hacks
Available as an add-on to your policy, a targeted hack extension can provide coverage up to $500 per day in the event you’re locked out of your social channels, or your channel is deleted or suspended.
Content Creator Insurance Policy
Content creator insurance covers:
How Can I Manage My Content Creator Policy & Risk?
The first step in managing any media liability policy is understanding risks associated with the space. For example, content creators publish videos, blog posts, and other content across many platforms. A single creator or influencer can entertain thousands upon thousands in their audience, increasing exposure with each new follower.
While these subscriber milestones are typically acknowledged with awards, like YouTube’s famous Play Buttons, creators must also consider their legal exposures. Educating yourself on regulatory requirements is an excellent approach to navigating legal responsibilities. To name one regulatory body, the FTC is more assertive than in the past. Noncompliance can get expensive quickly. It pays to stay current on rules and follow best practices.
Lastly, your commercial insurance broker is more than someone from whom you buy insurance. Most brokers provide education about staying cyber-safe and scaling a business savvily, to name a few topics. Rely on that kind of “been there, done that” knowledge so you don’t have to reinvent the wheel.
What Does A Content Creator Policy Not Cover?
Content creator insurance provides valuable protection; there are specific things that it typically doesn’t cover. One common exclusion is intentional acts or intentional damage. If an influencer intentionally causes harm or damage to a person or property, this would not be covered by their insurance policy. Additionally, if an influencer is sued for invasion of privacy, their policy may not cover the costs of defending against the lawsuit or any damages that may be awarded.
In addition, influencer insurance may not cover claims related to intellectual property infringement or breach of contract. If a content creator is sued for using copyrighted material without permission or for failing to fulfill a contractual obligation, their policy may not provide coverage.
It’s crucial for content creators to carefully review their insurance policy and understand what is and is not covered. Working with a trusted commercial insurance broker specializing in media liability can also help ensure that they have the appropriate coverage for your unique risks and exposures.
How much does Content Creator Insurance cost?
Most commercial insurance policies rely on several factors, and content creator insurance is similar. However, this coverage relies heavily on the creator’s revenue amount to determine the needed coverage limit and, consequently, the premium cost. Check out the following chart for some estimated amounts.
Find out your recommended coverage range?
Use the slider to identify the recommended limits and estimated monthly premium* for content creator insurance
*Estimated premium does not reflect exact pricing, final pricing is determined during the underwriting process.
Monthly Premium Range $
*Estimated premium does not reflect exact pricing, final pricing is determined during the underwriting process.
Content Creator Claim Examples
The Fyre Festival controversy was one of the biggest influencer-related stories of 2017. The festival – a failed music festival, advertised to be a luxury event featuring A-list artists and, whose organizer is currently serving a 6-year jail sentence after pleading guilty to wire fraud – promoted itself using an Instagram influencer campaign. Featuring models and media personalities, notably Kendall Jenner, Bella Hadid, Hailey Baldwin and Emily Ratajkowski, many posted on their Instagram promotions for the Fyre festival, some giving the impression that they would be attending (Kendall Jenner also indicated that brother-in-law Kanye West would be performing, which was never the case) and most did not disclose that it was paid advertisement – only Ratajkowski included a #ad on her post. Several lawsuits were filed following the failure of the festival, one of which is a seeking to recover money paid to people involved in the marketing of the festival, including these creators. The lawsuit claims that Jenner was paid $275,000
The case of Bethany Mota and Studio 71 is one of the first influencer cases. In 2017, Mota, an American vlogger of outfits, makeup and hair tutorials, agreed to make a video and post on her multiple social media profiles of her using a skincare product. Studio 71 – a media production agency – claims to have offered her $325,000 to fly her and her father to Kauai, a Hawaiian island, to create this content. They claim that on arrival, Mota’s father, Tony (who acts as her manager), encouraged her to shirk her contractual obligations, and that she did not create the promised social media posts and failed to include the Hawaiian footage in a video. Studio 71 did not approve of the video she did submit, as inclusion of the Hawaiian island was a “crucial creative component”, and the reason they had paid her to fly out to Kauai. Studio 71 is seeking damages and declares that is does not need to pay Mota for the campaign.
The Fyre Festival controversy was one of the biggest influencer-related stories of 2017. The festival – a failed music festival, advertised to be a luxury event featuring A-list artists and, whose organizer is currently serving a 6-year jail sentence after pleading guilty to wire fraud – promoted itself using an Instagram influencer campaign. Featuring models and media personalities, notably Kendall Jenner, Bella Hadid, Hailey Baldwin and Emily Ratajkowski, many posted on their Instagram promotions for the Fyre festival, some giving the impression that they would be attending (Kendall Jenner also indicated that brother-in-law Kanye West would be performing, which was never the case) and most did not disclose that it was paid advertisement – only Ratajkowski included a #ad on her post. Several lawsuits were filed following the failure of the festival, one of which is a seeking to recover money paid to people involved in the marketing of the festival, including these creators. The lawsuit claims that Jenner was paid $275,000
The case of Bethany Mota and Studio 71 is one of the first influencer cases. In 2017, Mota, an American vlogger of outfits, makeup and hair tutorials, agreed to make a video and post on her multiple social media profiles of her using a skincare product. Studio 71 – a media production agency – claims to have offered her $325,000 to fly her and her father to Kauai, a Hawaiian island, to create this content. They claim that on arrival, Mota’s father, Tony (who acts as her manager), encouraged her to shirk her contractual obligations, and that she did not create the promised social media posts and failed to include the Hawaiian footage in a video. Studio 71 did not approve of the video she did submit, as inclusion of the Hawaiian island was a “crucial creative component”, and the reason they had paid her to fly out to Kauai. Studio 71 is seeking damages and declares that is does not need to pay Mota for the campaign.
Insurance Brokers For Content Creator Insurance
Founder Shield is a data-driven insurance brokerage serving high-growth, innovative industries. We have a passion for creating and developing innovative risk management products across emerging industries and work hand in hand with clients and underwriters to ensure transparency, efficiency, and reliability every step of the way. Our team has specialized expertise and experience in providing content creator insurance services.
Shraddha is a Senior Client Advisor at Founder Shield who specializes in the Media and Content Creator space.
Content Creator Insurance FAQs
Content creator insurance relies heavily on the creator’s revenue amount to determine the needed coverage limit and, consequently, the premium cost. As the creator’s revenue increases, so does the recommended coverage limit and premium cost.
While this coverage provides broad protection against several media liability allegations, it typically doesn’t cover the following:
- Intentional acts or damage
- Invasion of privacy
- Intellectual property infringement
- Contractual obligation failure
