Social Media Insurance for Marketing and Influencers

Save up to 25% on business insurance for social media marketing.*

Choose your primary coverage to get started:

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Social media insurance can help protect you from:

Legal fees and defense costs

A brand partner takes legal action against you for content mistakes that caused a financial loss or failed to meet expectations.**

Advertising injury claims

Someone claims your social media ad caused reputational harm or defamation.

Claims of advertising copyright infringement

Someone alleges your ad used copyrighted images, music or video clips without permission.

Get insurance for social media marketing that’s fast, flexible and convenient

Insurance for social media content creators and marketers could help cover costs related to client disagreements, content-related claims or other issues tied to managing campaigns, brand partnerships, influencer marketing and content creation on social media platforms.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in business insurance for social media marketing

Social media insurance often includes several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for social media marketers

Coverage that can help with advertising copyright infringement, libel and slander

General liability insurance can help protect social media consultants and creators from claims that may arise managing client accounts, creating content for yourself or others or working with brands. In addition to non-employee injuries and accidental damage to other people’s property, this liability coverage could help with advertising-related content, such as copyright infringement, defamation or misleading advertising. It could also cover legal action against you tied to influencer marketing, sponsored posts or promotional campaigns.

general liability can help you pay for:

Medical expenses for bodily injuries

Property damage

Legal fees and judgments

Libel slander and advertising injury claims

Professional Liability insurance (E&O insurance)

Protection from the costs of professional mistakes or omissions that cost a client money

Professional liability coverage — also called errors and omissions insurance or E&O — may help protect you if a client or brand partner claims your work caused a financial loss. This coverage may apply to allegations around campaign planning, strategy, analytics, social media consulting services or failure to deliver on a contract. Media liability insurance is a related coverage associated with professional liability for advertising and content-driven businesses.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers’ Compensation insurance

For employee work-related injury and illness

If you hire employees for your social media consulting or content creation business, most states require workers’ compensation insurance. Workers’ comp can help cover medical costs and lost wages if an employee is injured on the job, including repetitive stress injuries or trips and falls during shoots or meetings.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Commercial Property insurance

Coverage for business equipment and workspaces

Commercial property insurance can help protect the business equipment and gear in your rented studio, shared work space or home office. If cameras, computers, lighting or other business property are damaged by a covered event like fire, theft or vandalism, this coverage could help with costs.

commercial property can help you pay for:

Damaged business equipment and spaces

Lost income

Operating expenses

Cyber Liability insurance

To help with data breaches, phishing scams or other cyber crime

Cyber liability coverage can help protect you if sensitive client data or account access is compromised. If you manage social media accounts, login credentials or audience data for clients, and a cyber attack, phishing scam or system failure exposes accounts or content you manage, this coverage can help you respond and recover.

cyber liability can help you pay for:

Data breaches

Cyber attacks

System failures

ERGO NEXT Insurance reviews

Satisfied Customer

Best business insurance with the easiest process!

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Small business insurance

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Small start up

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Easy to sign up and has what I need.

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Save up to 25% in discounts on social media insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does social media insurance cost?

Premiums for social media content creators and consultants are more affordable than you might think. The cost of your business insurance depends on several factors, including:

The type of social media work you do.
The types of clients you have.
Your business location.
Your number of employees.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know exactly what you’ll pay is to check our prices. In about 10 minutes you’ll see your price for tailored coverage for your business.

How can insurance for social media marketing help your business?

You might need social media influencer insurance to help your business:

Cover the cost of professional mistakes. Professional liability coverage can help if a client or brand partner claims an error in strategy or campaign execution caused financial loss.
Cover advertising copyright infringement legal costs. Business insurance could help with allegations that your social media posts used copyrighted images, music or slogans without permission.
Address claims of misleading content. Insurance can help with claims of misleading advertising tied to brand campaigns.
Protect your equipment and workspace. Property insurance coverage may help repair or replace business equipment like cameras, computers or lighting stolen or damaged after a covered event.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically require commercial auto insurance.

Social media marketing insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

What type of business could benefit most from social media insurance?

Any business susceptible to claims tied to creating content, campaigns and managing brand partnerships could benefit from social media insurance. This could include:

Social media consultants
Social media influencers
Freelance marketers who handle social media
Bloggers and vloggers
Podcasters
Digital marketing professionals

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

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