Insurance for Bloggers and Content Creators

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Content creator insurance: A female writer writing on a laptop

Find the right coverage for your blogging business

BizInsure helps you find the perfect insurance coverage for your blogging, vlogging or social media business’ unique needs. Our free expert advice ensures you have peace of mind knowing you’re properly covered with the right property and liability protection.

Choose Coverage that Suits Your Business

With BizInsure, you can buy your insurance online or over the phone and choose your payment frequency, either monthly or annually.

Basic cover
  • Professional Liability
  • Per occurrence $500,000
  • General Liability
  • Per occurrence $1,000,000
  • Workers Compensation
  • Per accident $100,000
  • Commercial Property
  • Per occurrence $25,000
Comprehensive cover
  • Professional Liability
  • Per occurrence $2,000,000
  • General Liability
  • Per occurrence $3,000,000
  • Workers Compensation
  • Per accident $1,000,000
  • Commercial Property
  • Per occurrence $25,000
Content creator insurance

What types of business insurance do bloggers and media professionals need?

You may consider different types of insurance to protect yourself, your business, and your employees.

General Liability insurance

Your General Liability policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

Content creator insurance

Professional Liability insurance

Also known as Errors and Omissions (E&O) insurance, this type of policy protects your business against claims of negligence, misrepresentations, or mistakes. Professional Liability claims are typically made by clients who allege some form of financial damage as a result of your services, products or employees.

Blogger and content creator insurance: A creator in front of mic

Business Owner’s Policy

A Business Owner’s Policy (BOP) is a convenient and affordable way for bloggers and content creators to protect against several of their most common exposures. These policies combine General Liability insurance with other types of coverage, such as business interruption and business property damage.

Blogger insurance:

Workers’ Compensation

Workers’ Compensation insurance protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.

How much does is cost

How much does insurance cost for content creators and media professionals?

The cost of insurance for bloggers, vloggers, and content creators will vary based on factors such as:

  • Blogging and media services offered – Some services may present more risk than others.
  • Business location – Insurance prices can vary between states and cities.
  • Business income/size – Independent and freelance bloggers usually pay lower insurance premiums compared to bigger businesses.
  • Types of insurance purchased – Insurance companies price coverage differently based on the risks that each policy covers.
  • Risk management procedures – Taking steps to avoid insurance claims can help keep your premiums low.
  • Policy limits and deductibles – The amount of coverage you seek and the deductible you choose will affect your coverage premiums.

Comparing quotes from various insurers is a reliable way to determine the cost of blogger and media liability insurance for your business.

Why do bloggers and content creators need insurance?

Bloggers, vloggers, and other content creators often face risks that insurance could help them address. These may include liabilities like:

  • Giving advice or making recommendations – If a client suffers a financial loss because of advice or recommendations you give, you could be held liable.
  • Mistakes, errors or omissions – Even the most careful content creators can sometimes make a mistake or forget to relay important information to their audience.
  • Undelivered services or missed deadlines – Failing to deliver services as promised, even if a delay is caused by unforeseeable events, could cause a lawsuit.
  • Third-party injuries and property damage – In-person interviews and creating content in public spaces puts you in contact with people that could be physically injured or have their belongings damaged by your business activities.
  • Breakdown of equipment – Damaged or broken equipment that’s vital to running your business—such as laptops, smartphones, cameras, or video cameras—could cause delays and loss of revenue.
  • Employee injuries – You’re responsible for the health and wellbeing of your employees (regardless of how many hours they work for you), and you may be liable for their medical bills and other expenses if they are injured or fall ill on the job.

Frequently asked questions about blogger business insurance

Here are some of the most common questions we get about business insurance for bloggers.

Is blogging insurance mandatory by law?

Generally, there is no legal requirement to purchase blogger and media liability insurance. However, your business requirements may vary depending on your state and whether you employ people. It is recommended to contact your local government to find out which rules apply in your area.

How much blogging insurance coverage will I need?

The amount of coverage you may need depends on several factors, such as:

  • Your location
  • The type and nature of your business
  • Business turnover and size

Fortunately, our licensed insurance specialist can help you. Fill out our online form to get instant customized quotes from multiple carriers, or call one of our licensed insurance agents at 1-877-900-9998.

How do I get insurance for bloggers and content creators?

Getting business insurance is easy and straightforward for bloggers, writers, and content creators with BizInsure.

  • Compare multiple quotes online for free
  • Choose policies and purchase
  • You will receive a COI instantly via email after purchasing a policy with BizInsure.

A Certificate of Insurance (COI) can be downloaded or requested through your account if you ever need additional copies.

Why do bloggers and content creators need business insurance?

The rise of social media has amplified the reach of bloggers, vloggers, and other content creators. But it’s also increased their potential legal and financial liabilities.

Bloggers face unique risks when publishing content and maintaining an online presence. With a public platform comes the risk of potential copyright infringement, libel and slander suits, data breaches, cybercrime, and other related risks.

Having insurance in place provides financial coverage if you’re targeted by legal action or other liability claims. The right policies can help provide coverage for advertising and marketing claims as well as property damage.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice.
The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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