Insurance for Podcasters

business owner protected by insurance for podcasters

Record Confidently With Insurance for Podcasters

Your voice and creativity have built a podcast that keeps listeners coming back. But what about the risks that can happen behind the scenes? From copyright claims to equipment mishaps, insurance can help ensure unexpected setbacks don’t throw you off track.
 
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business owner protected by insurance for podcasters

What Is Insurance for Podcasters?

Podcaster insurance is a collection of business insurance coverages designed for creators who produce, publish and monetize long-form audio-based content. Also known as podcast liability insurance, this coverage helps protect you from risks like:
 
  • Defamation claims
  • Copyright strikes
  • Equipment damage
  • Data breaches

Why Do You Need Podcast Insurance?

Your podcast isn’t just a passion – it’s a business. But even the most well-established podcasters can face unexpected challenges, like copyright disputes, equipment damage or legal claims. Without the right coverage, a single issue could disrupt your work and impact your income.
 
Podcast insurance can help protect you in common situations, like if:
 
  • Your recording equipment gets lost or stolen
  • A covered event, like a fire or storm, shuts down your studio
  • A guest gets injured while recording an episode with you
small business owner protected by podcast insurance

Who Needs Podcast Liability Insurance?

The Hartford designed its business insurance coverage options with podcasters in mind. Our coverage can help protect:
 
  • Independent podcasters
  • Voice-over artists
  • Live show and event podcasters
  • Long-form content creators

What Type of Insurance Do I Need for My Podcast?

Many podcasters have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it helps provide. It includes three types of coverage to help protect you in the event of personal injury, property damage or lost income.
 
A BOP includes:
 
General liability insurance to help protect your podcast from claims that it caused bodily injury or property damage to others, like if you break someone’s belongings while recording an episode at their house.
 
Commercial property insurance to help protect your studio space, as well as the tools, equipment and supplies you use to operate your podcast. These can include:
 
  • Microphones and headphones
  • Laptops and tablets
  • Audio mixers, interfaces and studio monitors
  • Microphone stands and hardware
  • Hard drives and storage systems
Business income insurance to help replace lost income if you can’t record your podcast because of a covered event like fire, theft or wind. For example, water damage from a leaky HVAC system might temporarily prevent you from creating new episodes.
 
At The Hartford, we know podcasters have specific needs. So, we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection. These can include:
 
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How Much Does Podcasting Insurance Cost? 

Podcast insurance costs vary because every business is unique. The average costs The Hartford’s small business customers in this industry pay for common types of coverage are:**
 
  • BOP: $2,823 a year, or about $235 a month
  • Stand-alone general liability insurance: $433 a year, or about $36 a month
  • Workers’ compensation insurance: $511 a year, or about $43 a month
It’s important to remember that the cost of your podcast insurance may differ from the average. That’s because every business owner faces unique risks, 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.
small business owner happy to get proof of podcast insurance

Proof of Insurance on Your Time

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Covering Your Operations

You love engaging with guests and connecting with your audience, but what happens when unexpected events threaten your production? While you can edit a mistake in your social post, other disruptions may not be as easy to fix. Podcast insurance helps your show stay on track. 
On average, juries award claimants over $3 million for business negligence lawsuits.1
general liability for podcasters

General Liability Insurance

“I was interviewing an expert at my studio when he tripped over our A/V cords and sprained his ankle. He had to go to the hospital for treatment.”
 
General liability helps cover claims that your podcast hurt somebody else. It can help cover your legal costs if you get sued and their medical bills if a person gets injured.
business income insurance for podcasters

Business Income Insurance

“A pipe burst in the studio, damaging the equipment so badly that we had to shut down production for almost a month.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if you’re unable to operate temporarily because of property damage from fire, theft, wind or leaky pipes.

Taking Care of Your Team

Whether it’s editors fine-tuning your audio, marketers growing your audience or assistants keeping your schedule on track, your podcast is a team effort. But with any business, workplace injuries or disputes can happen. The right insurance helps protect your team, covering work-related accidents, legal claims and other unanticipated challenges.
Ergonomic injuries make up 33% of all worker injuries in the U.S.2
workers compensation for podcasters

Workers’ Compensation Insurance

“My editor started having wrist pain and claimed it was from the desk setup I provided. Eventually, it got so bad he needed surgery and had to take off time to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries and illnesses. It can help pay their medical bills and replace lost wages if they can’t work.
EPLI for podcasters

Employment Practices Liability Insurance (EPLI)

“My producer was sued by a vendor after she ended a contract due to issues with the technology. The vendor claimed the producer harassed them and discriminated against them.”
 
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 includes coverage for third-party claims.

Protecting Your Property

Your podcast depends on high-quality equipment, a dedicated studio space and reliable transportation to keep production on track. But theft, accidents or unexpected damage can quickly disrupt your workflow. The right insurance helps safeguard your gear, studio and other essential property.
Over 1 million vehicles were stolen in 2023 in the U.S. Criminals can use advanced technology to bypass security systems and hack keyless entry designs.3
commercial property insurance for podcasters

Commercial Property Insurance

“A fire in our building damaged our studios. We had to get new microphones, headphones and mixing tools.”
 
Commercial property insurance helps protect your business' equipment, furniture and tools from loss or damage caused by events like storms, fires, vandalism or leaky plumbing.
commercial auto liability insurance for podcasters

Commercial Auto Insurance

“I was on my way to pick up equipment and supplies for the studio when I rear-ended another car. I wasn’t seriously hurt, but my car was in bad shape, and I had no way to get to recordings or meetings.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.

Frequently Asked Questions About Insurance for Podcasters

Podcast insurance is made up of different insurance coverages designed to help protect your podcasting business from various risks. For example, if your guest gets hurt at your studio, a general liability insurance policy can help pay their medical bills. You can also get other types of coverage to add protection for your equipment and business-owned vehicles.
Insurance is important for podcasters because it helps shield you from risks that can threaten your livelihood. Without insurance, even a simple property damage claim can be financially devastating. Insurance helps you manage risks by covering things like bodily injury, business-related car accidents and equipment repairs and replacements.
The best way to get podcast liability insurance from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote online.
business owner happily recording after getting a podcast insurance quote

Keep the Mic On With Insurance for Podcasters

Get the coverage you need to create, record and build your brand with confidence.
 
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Related Articles

 
 
Last Updated: December 19, 2025
 
1 Insurance Information Institute, "Facts + Statistics: Product liability"
 
2 American Society of Safety Professionals (ASSP), "Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being"
 
3 NICB, “Vehicle Thefts Surge Nationwide in 2023”
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