Influencer Insurance

female business owner protected by influencer insurance

Help Protect Your Brand With Influencer Insurance

Your influence didn’t grow overnight. It’s the result of your hard work, creativity and the unique voice that your audience loves. But as your brand grows, so do the risks. Insurance coverage can help protect you from the unique challenges that influencers face, so you can keep posting and collaborating with confidence. 
 
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female business owner protected by influencer insurance

What Is Influencer Insurance?

Influencer insurance is a collection of business insurance coverages for social media influencers who use their digital presence to generate income. Also known as brand liability insurance, this coverage helps shield you from risks like:
 
  • Copyright infringement claims
  • Product and content liability claims
  • Libel, slander and reputation damage
  • Data breaches, leaks and hackers
 

Why Might You Need Influencer Insurance?

As an influencer, you’re constantly putting your brand out there for the world to see. But with that visibility comes potential risks that could hurt your business. From unexpected legal issues to mishaps with a brand partnership, the challenges you face are specific to the influencer space.
 
Insurance can help protect you from the unique risks that come with:
 
  • Managing brand partnerships and contracts
  • Creating and engaging with intellectual property
  • Product- and content-related liability claims
male small business owner protected by social media insurance

Who Needs Influencer Insurance?

Influencer insurance is designed with content creators and personal brands in mind. This coverage can help protect a variety of digital marketers, such as:
 
  • Social media influencers
  • YouTubers and vloggers
  • Bloggers and podcasters
  • Brand ambassadors
  • Affiliate marketers
  • Social sales reps

What Type of Insurance Do I Need as an Influencer?

Many influencers have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your brand from claims of bodily injury or property damage, like if you damage someone’s house while filming there.

A BOP includes: 
 
General liability insurance to help protect your brand from claims that it led to bodily injury or property damage. For example, if someone gets hurt at a sponsored event you host, this coverage can help pay your legal fees and their medical expenses.
 
Commercial property insurance to help protect your owned or rented studio space, as well as the tools, equipment, inventory and supplies you use to operate your brand and social media channels. These can include:
 
  • Cameras and lighting equipment
  • Laptops and computers
  • Studio furniture and props
  • Editing software and technology
  • Inventory for promotional giveaways
Business income insurance to help replace lost income if you can’t operate your social media channels temporarily because your studio space was damaged or essential equipment was stolen.
 
At The Hartford, we know that no two influencers have the same needs or face the same risks. That’s why we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including: 
 
Keep Creating With Confidence
Get comprehensive coverage to help safeguard your brand’s assets and your reputation.
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How Much Does Social Media Influencer Insurance Cost? 

Social media insurance costs vary because every business is unique. Some of the average costs The Hartford’s small business customers in this industry pay for common types of coverage are:**
 
  • BOP: $999 a year, or $83 a month
  • Stand-alone general liability insurance: $684 a year, or about $57 a month
  • Workers’ compensation insurance: $526 a year, or about $44 a month
It’s important to remember that the cost of your influencer insurance may be different than the average. That’s because every brand has specific needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
female small business owner happy to have insurance for social media

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Covering Your Operations

Your day-to-day hustle fuels your success. From creating content to managing partnerships and interacting with your followers, being an influencer comes with unique challenges. The right type of insurance can help protect you from unexpected setbacks. 
Customer injuries, like slips and falls, are the third most common type of claim small business owners faced in 2025.1
general liability for influencers

General Liability Insurance

“I was talking to a client about a campaign when he tripped over some equipment in my office and hurt his wrist.”
 
General liability insurance helps protect your business from claims that it caused bodily injury or property damage.
EPLI for influencers

Employment Practices Liability Insurance (EPLI)

“An editor I didn’t hire filed a discrimination claim against me, and it turned into a long legal process.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. This coverage is included in a BOP from The Hartford and can help cover claims made by third parties.

Taking Care of Your Team

As your brand grows, so will your team. Whether you have a full-time assistant or a whole team of creators working alongside you, it’s important to protect the people who help bring your brand to life every day. Insurance can help safeguard your team on the job, so they can focus on growing your influence.
Ergonomic injuries make up 33% of all worker injuries in the U.S.2
workers compensation for influencers

Workers’ Compensation Insurance

“My assistant started having serious back pain because her office chair wasn’t properly set up. She needed physical therapy and time off to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work.
professional liability insurance for influencers

Professional Liability Insurance

“A client sued me after a campaign I came up with didn’t lead to any additional sales for their product. They claimed I broke my contract with them.”
 
Professional liability insurance can help protect your business from claims that it made a mistake in the professional services given to a client. This coverage can help pay your legal costs if you get sued, such as attorney fees, judgments or settlements.

Protecting Your Property

Whether you're using high-end cameras, renting studio space or editing on your laptop, damage or theft can disrupt your creative work and hurt your finances. Influencer insurance can help you replace or repair your equipment if something goes wrong.
On average, work-related crashes cost $75,000 per nonfatal injury.3
commercial property insurance for influencers

Commercial Property Insurance

“Someone vandalized our studio and damaged almost everything inside. It was devastating, and we had to move for safety reasons.”
 
Commercial property insurance helps protect your brand’s studio, equipment, furniture and supplies from loss or damage caused by events like storms, fires, vandalism or leaky plumbing.
commercial auto insurance for influencers

Commercial Auto Insurance

“On my way to a brand event, I accidentally hit someone’s mailbox.”
 
Commercial auto insurance helps cover claims related to an accident you or an employee causes when using a company-owned vehicle for work.

Frequently Asked Questions About Social Media Insurance

Insurance for influencers covers a variety of risks specific to an online brand. Depending on the coverage, insurance can help protect you from content-related legal issues, like copyright violations and defamation claims stemming from your posts, videos or livestreams. It also covers your equipment, from cameras to lighting to laptops. When you collaborate with other brands, insurance can also help protect you from contract disputes or product liability claims. And if you have a team, your policy can cover them as well.
From copyright disputes to liability for the things you promote, your brand faces numerous risks on any given day. The right influencer insurance coverage can help ensure you’re prepared to handle repairs, replacements and legal fees without taking a hit to your finances. Whether you’re filming on location, managing brand collaborations or simply engaging with your community, having coverage means you can create with confidence, knowing you’re protected.
The best way to get influencer insurance from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote online.
male business owner happily works after getting content creator insurance quote

Reach New Heights With Influencer Insurance

Get the protection you need to keep your content flowing.
 
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Related Articles

 
 
Last Updated: February 19, 2026
 
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small-Business Claims,” viewed January 2026.
 
2 American Society of Safety Professionals (ASSP), "Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being,” viewed March 2025.
 
3 NIOSH, "About Motor Vehicle Safety at Work,” viewed March 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
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