Blogger Insurance
Coverage for bloggers and content creators — where published work can draw allegations.
What this coverage is intended to address
- ✓Allegations that published content caused harm, such as defamation or infringement claims, addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
- ✓General liability for premises exposures, such as a visitor injured during an in-person shoot or event
- ✓Defense costs in the event of a covered claim arising from content or advice
- ✓Third-party property damage that may occur in the course of creating content
Coverage products commonly considered
Most blogger operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Hypothetically, a subject alleges that a published post damaged their reputation, and professional liability / E&O coverage is intended to respond in the event of a covered claim.
- Hypothetically, a guest trips over lighting equipment during an at-home video shoot and is injured; general liability coverage may help respond to a bodily-injury claim of this nature.
Frequently asked questions
Why would a blogger consider professional liability insurance?
Because published work can prompt allegations like defamation or infringement. Professional liability insurance, also called Errors & Omissions (E&O) insurance, is intended to respond to claims that the content caused harm. General liability separately addresses premises risks. Coverage varies by carrier and state.
Does it matter if I monetize the blog?
A revenue-generating blog can carry sponsorship and disclosure obligations that increase exposure. A licensed agent can explain how a policy is intended to respond and which activities should be disclosed on the application.
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