Why do influencers and YouTubers need business insurance?
Your influence over consumers means companies could hold you accountable for lost profits. Business insurance protects influencers and YouTubers from defamation lawsuits, accidental injuries, replacement of stolen equipment, and other costly setbacks.
Find the right coverage
Insureon helps social media influencers and YouTubers find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of commercial insurance do influencers and YouTubers need?
General liability insurance
A general liability policy covers basic third-party risks, such as a guest vlogger who slips and suffers an injury in your studio. Bundle it with commercial property insurance in a business owner's policy for savings.
- Client bodily injuries
- Client property damage
- Commercial lease requirements
Media liability insurance
This influencer liability insurance covers legal defense costs related to mistakes and accusations of defamation or copyright infringement. It's also referred to as professional liability insurance.
- Intellectual property disputes
- Invasion of privacy, such as using a photo without consent
- Breach of contract with a sponsor
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for social media influencers and vloggers to purchase general liability coverage and commercial property insurance together.
- Damaged client property
- Slip-and-fall injuries at your studio
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for influencer marketing businesses with employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
This type of coverage helps pay for costs related to data breaches and cyberattacks. It's strongly recommended for online influencers who store email addresses or other personal information.
- Customer notification expenses
- Fraud monitoring services
- Cyber extortion payments
Commercial auto insurance
Commercial auto insurance helps cover costs if a vehicle owned by an influencer's or YouTuber's business is involved in an accident. It's usually required for business-owned vehicles.
- Property damage caused by your vehicle
- Injuries caused by your vehicle
- Vehicle theft or vandalism
How much does insurance cost for media and advertising professionals?
An influencer who works independently will pay less for insurance than a larger business.
Factors that affect premiums include:
- Media and advertising services offered, such as social media posts
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get influencer insurance?
It's easy to get influencer and YouTuber insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for social media influencers, YouTubers, bloggers, and podcasters, whether you work independently or hire employees.
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