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Content Creators insurance

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As a Content creator or public figure, your image and your voice are your brand, and your brand is your livelihood. You’ve spent years building your platform, cultivating your audience and establishing trust but with greater visibility comes unique risks that can threaten your reputation, income and your future too. That’s where our tailored insurance solutions have been designed to safeguard what matters most to you.

At Performance, we specialise in understanding the needs of content creators and public figures. With personalised policies, industry expertise and a global reach, we’re here to look after the risks so that you can focus on what you do best.

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Why do you need insurance?

In the digital and public arena, risks can arise in an instant. From copyright disputes, cyber-attacks or defamation claims, the challenges of your profession are as diverse as your audience. Without the right protection, even a single incident could have lasting financial and reputational consequences.

Key scenarios for you to consider are:

Defamation risks
A public figure delivers a keynote speech that inadvertently includes a statement perceived as defamatory. A legal claim is filed, leading to expensive court proceedings and damages.
Social media backlash
As a Content creator, one of your sponsored posts unintentionally violates advertising regulations, resulting in a hefty fine and damage to the brand’s credibility.
Cyber breaches
A hacker accesses one of your social media accounts, causing financial loss and tarnishing your reputation through inappropriate posts.
Breach of contract
You are contracted as a Content creator to post 4 product-relevant content pieces at assigned times. You fail to post the last instalment, resulting in a claim from the brand for breach of contract. The claim made against you for the total cost of the contract resulting in complete loss of income for the work you’ve done.
Intellectual Property Rights
A creator inadvertently uses images or music without securing the appropriate rights. The intellectual property owner takes enforcement action, leading to a legal dispute and an eventual settlement or damages payment.

How would you react to these scenarios without insurance protection?

Here’s how we can help you

Public liability insurance – Protection against claims of injury or property damage during live events or appearances, resulting directly from your own negligence.
Professional indemnity insurance – Coverage for claims arising from alleged mistakes or omissions in your content, copyright infringement and claims of libel and/or slander
Cyber – Safeguarding your digital assets from hacking, data breaches or social media account theft
Reputation Management – Assistance with crisis PR and legal costs to rebuild and protect your brand
Equipment cover – Protecting your everyday equipment used for reaching your audiences

Ready to get get cover

Make an enquiry
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FAQs

Why might I need this Influencer & Content Creators Insurance?

Your socially interactive work exposes you to risks such as defamation, intellectual property infringement, and breaching advertising statuses and codes. However true or false the allegations made against you are, they may need to be defended in court and this policy will pay for your legal defence costs.

Is Influencer & Content Creators Insurance expensive?

The value of your cover required is dependent on several factors including audience size, who you engage with, what you are influencing and the means of how you influence. However, most importantly it is down to you and how much protection you need from us.

What does Breach of Advertising statuses and codes mean?

If you are paid to praise or promote a product but you do not label the promotion as advertising, you could be reported to a local Trading Standards office and you could be fined.

What is Intellectual property infringement?

You may complete a very thorough search to make sure the content you use is not already owned by another entity but it’s not always easy. If the content you have used is owned elsewhere, the owner can seek compensation from you as you have benefited from their property.

What is Defamation?

A comment that damages a persons, companies or products reputation can give rise to a claim. Liability is determined by the comment being proven to be both false and malicious, or deliberate. Proving truth can take a lot of time and can be very expensive. Learn more about Public Liability insurance here.

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Performance is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.
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