UGC creator insurance: media liability for UGC creators
When a brand runs your video as an ad, your contract still makes you answer for what's in it. UGC creator insurance built on media liability defends you when that content draws a copyright, likeness, privacy or defamation claim.
This guide explains where claims against UGC creators come from and how media liability works. Ready for a policy? Get a UGC creator quote from CreatorSure.
Where claims come from
- Music that's fine on a personal account but not in an ad.
- People and logos in the background of a video that's now an ad.
- Scripted product claims the brand wrote and you said.
- Warranties in your contract that the content is cleared.
- Usage beyond your license. That's a claim you bring. See CreatorSure Fight Back.
Posting on your own channels as well? See YouTuber insurance and streamer coverage.
Before you deliver
- Use licensed or original music.
- Get written releases from anyone identifiable.
- Keep the brand's script and approvals.
- Read the usage term and the indemnity clause.
Questions
How is insurance for UGC creators different from influencer insurance?
Influencers publish to their own audience. UGC creators hand content to a brand that runs it as advertising.
A brand asked for my COI. What do I send?
A certificate of insurance showing your media liability policy. See proof of coverage.
Does the brand's policy cover me?
No. The brand's policy protects the brand, and many UGC contracts make you answer for what's in the video.
What if a brand runs my video longer than we agreed?
That runs the other way. Fight Back helps you go after them (which CreatorSure covers).
Do I need releases for people in my UGC videos?
Yes. A brand ad showing someone without a release draws a likeness claim. Get it in writing.
Ready for a policy?
CreatorSure is our creator insurance program. It sells UGC creator insurance and will place a policy that covers the content brands run as ads.