Professionals Insurance

Podcaster Insurance

Coverage shaped around the content, guests, and gear behind podcast production.

What this coverage is intended to address

✓Allegations of defamation, copyright infringement, or improper use of music or clips in an episode — content exposures addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
✓General liability for third-party bodily injury or property damage, such as a guest injured during an in-studio recording
✓Claims that a sponsorship or service commitment was not delivered as promised
✓Defense costs that may arise from a content-related dispute, in the event of a covered claim

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most podcaster operations consider one or more of these coverage types:

Professional Liability / Errors & Omissions (E&O)

General Liability

Cyber Liability

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A guest alleges that statements made in an episode were defamatory and demands a retraction and damages — professional liability / E&O is intended to respond in the event of a covered claim.
During an in-person recording, a visiting guest trips over audio cables and is injured. General liability may help respond to a bodily-injury allegation of this nature.

Frequently asked questions

What insurance risks do podcasters face?

Content risks like defamation or unlicensed music are the core exposure, which professional liability insurance, also called Errors & Omissions (E&O) insurance, is generally intended to respond to. General liability is intended to address in-person exposures such as guests in your studio.

Do I need coverage if I only publish online?

Content-related claims can arise even from purely online publishing, and professional liability / E&O is intended to respond to allegations of this type in the event of a covered claim. A licensed agent can advise on what fits your show.

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