Influencer insurance: media liability for influencers
Influencer insurance protects you when a post turns into a claim, especially a sponsored one. Media liability defends you when someone says a post defamed them, used their work or likeness, or misled people. When a brand asks for proof of insurance before the deal, this is the coverage they mean.
This guide explains where claims against influencers come from and how media liability works. Ready for a policy? Get an influencer quote from CreatorSure.
Where claims come from
- Disclosure. The FTC expects clear disclosure of brand relationships, and your contract can put that on you.
- Product claims. Saying a product does more than it does.
- Call-outs. Trashing a competing product invites a disparagement claim.
- People in your posts. Using someone's face in sponsored content without their OK.
- Borrowed material. Photos, music and clips in paid posts.
Posting long videos too? Read insurance for YouTubers. Writing a paid newsletter on the side? See newsletter insurance.
What it doesn't cover
If a product you promoted physically hurts someone, that's product liability (which CreatorSure covers). Handing content to a brand to run as its own ad? See UGC creators.
Questions
Do I need insurance for influencer work if the brand has its own?
Yes. The brand's policy protects the brand, and most influencer contracts ask you to carry your own coverage.
Can I send a brand proof of coverage?
Yes, once you're covered. See proof of coverage.
Who's responsible for a product claim in my caption?
Often you. Many brand contracts make the influencer answer for what the post says. Media liability covers claims over your content.
Does it cover reviews of products I wasn't paid for?
Yes. A review is published content, paid or not. An honest bad review can still draw a demand letter.
What if a brand keeps using my content after the deal ends?
That runs the other way. Fight Back helps you go after them (which CreatorSure covers).
Ready for a policy?
CreatorSure is our creator insurance program. It sells influencer insurance and will place a policy that covers your posts and brand deals.