What type of insurance do content creators need?

Influencer insurance isn’t a single type of policy. Content creators can face several different business risks, which means different types of insurance are designed to provide protection in different situations.

The content you produce can create professional liability exposures. Shoots and events can create third-party injury or property damage risks. Your business may depend heavily on digital platforms and data, while cameras, computers and production equipment can represent a sizeable investment.

The right mix of insurance will depend on how your creator business operates. In this guide, we’ll break down the main types of cover available to content creators and influencers, what each is designed to protect, and the business risks you may want to consider when comparing your options.

What insurance do content creators and influencers need?

There isn’t one type of insurance that every content creator needs. The cover you may consider depends on the content and services you provide, where you work and the risks involved in your business.

Professional Indemnity, Public Liability and Cyber Liability insurance can address professional, third-party and digital risks respectively. Creators may also consider Portable Equipment, Contents and Theft cover for business equipment and property, or Personal Accident & Illness insurance if a covered injury or illness prevents them from working.

A useful starting point when considering business insurance is understanding the risks involved in how your creator business operates.

Three key types of insurance for content creators

Professional Indemnity, Public Liability and Cyber Liability insurance address three different areas of risk that can arise when creating content commercially: professional liability, third-party injury or property damage, and cyber incidents.

BizCover has brought these three covers together in its new content creators insurance package, which is among the first bundled insurance offerings specifically designed for content creators in Australia.

Here’s what each type of cover is designed to protect.

Professional Indemnity insurance

Professional Indemnity insurance protects against losses claimed by a third party due to alleged or actual negligence in your professional services or advice. It can also cover defence costs associated with covered claims, subject to applicable policy limits.

For content creators, professional exposure could arise through paid content production or other professional services provided to brands and clients. For example, a client could allege that an error or omission in professional work caused them financial loss.

Public Liability insurance

Public Liability insurance covers legal fees and compensation costs if a customer, supplier or member of the public claims they suffered injury or property damage as a result of your alleged negligent business activities.

Content creators may work at studios, launches, events, client premises and other locations. A third party could trip over production equipment during a shoot, for example, or a creator could accidentally damage someone else’s property while filming.

Cyber Liability insurance

Cyber Liability insurance is designed to help protect businesses from certain claims and costs arising from cyber breaches or attacks. Depending on the policy, cover can include risks such as data breaches, cybercrime, business interruption, forensic investigation and data recovery.

Digital systems are often central to a creator’s business. Social platforms connect you with your audience, email is used to communicate with brands, cloud services store content, and websites or online stores may hold customer information.

Professional Indemnity vs Public Liability for influencers: what’s the difference?

The two covers aren’t interchangeable. The main difference is the type of liability each policy is designed to address.

Professional Indemnity relates to certain claims arising from professional services or advice. Public Liability relates to certain claims involving third-party personal injury or property damage caused by business activities.

	Professional Indemnity	Public Liability
Main exposure	Claims arising from professional content or services provided to brands or clients	Third-party injury or property damage arising from your business activities
Example	A brand alleges an error or omission in paid content you produced caused it financial loss	A guest at a video shoot trips over your lighting equipment and is injured

What other insurance types should content creators consider?

Portable Equipment cover

Portable Equipment insurance covers loss and damage to portable equipment associated with a business. Depending on the policy, this can include photographic and video equipment, computers and mobile communication devices.

This can be particularly relevant to creators who regularly move production equipment between home, studios, events and client locations.

Contents insurance

Contents insurance protects against loss or damage to business items at the insured location, such as equipment, stock, machinery and furniture, following insured events specified by the policy.

For a creator working from a dedicated studio or business premises, this might include editing computers, production equipment, furniture and other insured business property kept at that location.

Theft cover

Theft cover can protect insured business contents and stock against certain losses caused by theft or attempted theft at the business premises. The circumstances covered depend on the policy. For example, some policies require forcible or violent entry.

Personal Accident & Illness insurance

For many independent creators, their ability to personally work is closely connected to the business’s ability to generate income.

An injury or illness could prevent a creator from filming, travelling to a campaign, attending an event or completing contracted work.

Personal Accident & Illness insurance provides a weekly income benefit following a covered accidental injury or illness once the insured person has been signed off work by a medical practitioner for the applicable period.

Is influencer insurance compulsory in Australia?

There is no mandatory requirement for every Australian influencer or content creator to hold business insurance.

However, insurance requirements can arise through contracts, clients, agencies, venues or other commercial arrangements. Creators should check the requirements that apply to the work they take on before signing the contract.

How much does influencer insurance cost?

The cost of influencer insurance can vary because creator businesses don’t all have the same activities or cover requirements.

Factors that can affect premiums include the type of content and services provided, annual turnover, the insurance products selected, policy limits, claims history and the value of insured equipment or property.

Comparing quotes can help creators understand the cover and pricing available for their unique business model.

Compare insurance for your content creator business

BizCover’s Content Creators insurance package brings together Professional Indemnity, Public Liability and Cyber Liability cover, with additional business insurance options available depending on how you work.

Compare quotes from some of Australia’s leading insurers with BizCover, and explore cover options tailored to your content creation business. It’s a fast and easy way to compare your options, all in one place.