Social Media Influencer Insurance

Protect your platform and your reputation with social media influencer insurance that’s built around your business.

Zensurance - Social Media Influencer

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Insurance for social media influencers

Social media influencers are a trusted and aspirational source of information for many. In the last few years, they’ve overtaken the social impact of traditional advertising and high-profile celebrities. If you’ve built a platform and make an income off of your social media status, it’s critical to be aware of the risks that come with sharing your opinions, advice and affiliations. If someone doesn’t like what you’ve said, claims you’ve created fraudulent advertising or alleges you stole their intellectual property, it can result in a costly (and lengthy) legal case.

With the right insurance coverage designed for social media influencers, you can focus on growing your platform instead of worrying about the implications of your next post.

Social media influencer liability insurance covers the risk associated with creating content through various channels for a broad audience. Such risks may include professional negligence, third-party injury or property and cyber-related incidents.

Social media influencer insurance is made up of a few policies that, collectively, create a comprehensive protection plan for your business activities. Social media influencer insurance often includes the following:

  • Commercial General Liability (CGL) Insurance: CGL covers risks that affect almost every business, no matter what your industry. With CGL, you’re covered against third-party injuries or property damage while working on your business. Additionally, this coverage provides financial protection against claims of libel and slander (communicating a message that allegedly damages the reputation of another person or business). It also can cover advertising risks regarding copyright infringement or false advertising. For example, say you make a claim about a product that turns out to be incorrect, and someone cites your content as to why they used that product. You could be sued for false advertising – CGL insurance can cover legal fees and settlement costs.
    • Product Liability Insurance: As a component of a CGL policy, you can be covered for injuries or property damage directly caused by defective products you sell on your social media platform. For example, suppose you run a mom lifestyle social media channel and sell your own baby teething toys. A parent claims your toys cause their child to choke and that your product is dangerous. Product liability insurance may cover things like legal defence costs and possible third-party medical expenses.
  • Cyber Liability Insurance: As a social media influencer, your business is predominantly online. This can leave you vulnerable to cyber-attacks such as hacking your account or holding third-party data you host hostage for ransom. Cyber liability insurance can cover ransomware demands, data restoration fees and third-party losses if others’ identities were stolen during a cyber hack.
  • Business Contents Insurance: From your laptop, phones to drones, the critical equipment you need to create the amazing content you produce need proper protection. Business contents insurance would be the coverage to help repair or replace your company assets in the event of insured circumstances.

A commercial policy is built around your business, taking into consideration specific factors that make your venture unique. For a social media influencer with a small following (100K followers), you can anticipate a starting cost of approximately $500 for an insurance policy package with a $1,000,000 commercial general liability limit.

Here are some of the main factors that insurers take into consideration when calculating your policy’s cost:

  • Years of experience
  • Services and products you provide
  • Annual and projected gross revenue
  • Number of employees

Anyone that generates income from their social media profile should consider a social media influencer policy. The list of professions is extensive, however here are some examples of those who most commonly purchase insurance for their social media business:

  • Bloggers and vloggers 
  • Podcasters
  • Social media personalities
  • YouTubers
  • Celebrities
  • Activists
  • Photographers

Getting insured is quick and easy!

Complete our 5-minute online application for a free social media influencer liability insurance quote.

Common claims scenarios

beauty product infringement

Problem: You’re doing a photo shoot for your platform out of a rented studio. You trip and accidentally spill coffee over one of the professional lights owned by the studio, destroying the electronics.

Outcome: Your commercial general liability insurance could cover the cost of replacing the lighting.

tainted cookie products

Problem: You have a social media page for your small cookie company. A customer buys cookies from your page and has an allergic reaction. They sue you for failing to provide an allergen warning on the product, or on your social media page.

Outcome: Your product liability insurance may cover legal fees, the customer’s medical fees (if applicable), and other associated costs.

influencer promoting fashion products

Problem: You’re an influencer with a small number of products for sale through your platform. You’re sued for copyright infringement by a local influencer when you allegedly copy their product offering.

Outcome: Your CGL insurance could cover the defence costs and possible settlement fees.

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Ready to start? Let’s get a quote!

Buying insurance is as easy as creating a new social media profile! Get a free quote by filling out a simple online application form. If you have any questions throughout the process, you can live chat with one of our licensed brokers about your insurance needs.