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Bloggers’ & Influencers’ Liability

PMP: Specialist Insurance for bloggers and influencers

Personal Media Protection Insurance (PMP) provides financial protection if someone brings a case against you in any geographical/court jurisdiction worldwide.

As a blogger, vlogger, or influencer, the risks you're exposed to are global. Specialist cover is essential.

What if...

  • Are you talking about products or celebrities? What if you get your facts wrong, offend someone or just say the wrong thing?
  • Are you posting images? Do you have the right permissions and licences? What if you use last season’s product image? Aerial shots from drones require particular permissions.
  • Are you publishing someone else’s review? Who owns the copyright – you or the author?
  • Are you promoting a product? Have you declared your interest to your readers?
  • How safe is the data of your subscribers – and how good is your Privacy Policy?

Everything you do and say on social media could affect the reputation you’re building, and if you inadvertently defamed someone or breached someone’s intellectual property, you could have a costly lawsuit on your hands.

Personal Media Profile Insurance (PMP) is an affordable insurance policy that will help you if you get into these sorts of difficulties. It’s an essential piece of armour for anyone who could be sued for making a mistake - and especially important for influencers and bloggers, who are looking to make waves online.

What does Influencer Insurance cover?

Influencer insurance and blogger insurance are forms of PMP insurance, which will pay for your legal costs in fighting allegations, as well as any damages you are liable for and payments made towards claims resolution. It covers:

  • Negligent mis-statement & defamation – accidental or on-purpose comments
  • Infringement of intellectual property rights: using images, ideas, performances, logos, written work that belongs to others
  • Breach of licence – for example, licences for using someone’s trademark and/or copyrighted material
  • Plagiarism - ripping off someone’s creative idea
  • Breach of confidentiality or invasion of privacy: sharing secrets
  • Failure to give credit or correct attribution of authorship: not giving credit where it’s due
  • Negligent transmission of a computer virus
  • Negligence
  • Civil liability – a broad cover, where if it's not excluded, it’s covered
  • Crisis containment costs: e.g. your PR agency bill

How will it protect me?

PMP insurance helps with:

  • Indemnification and defence costs: legal expenses cover to defend your cause in a dispute - right through to the High Court if necessary
  • Payments towards compensation costs
  • Payments towards claims against your employees or someone else noted on your policy
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CASE STUDY

Watchdog Tells Vloggers to Stop Hiding Product Placement

Vloggers were recently criticised by the advertising watchdog for not revealing that they were paid to promote commercial product. They were paid to praise Oreo biscuits, but did not label the promotions as advertising. The Advertising Standards Authority warned all “vloggers” that they will be in breach of advertising regulations if they mislead audiences by blurring the lines between commercial and editorial content.

Don’t leave it to chance – your reputation is your livelihood. Talk to us about Bloggers' Liability and make sure you’re safe online. We can also help you review your contractual obligations to see where your risks lie.

Bloggers' & Influencers' Liability Insurance

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Bloggers' & Influencers' Liability
Bloggers' & Influencers' Liability
Business Interruption Insurance
Business Interruption Insurance
Business Protection
Business Protection
Cast and Crew
Cast and Crew
Credit Insurance
Credit Insurance
Cyber Risks Insurance
Cyber Risks Insurance
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Directors & Officers Liability
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Employers' Liability
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Employment Practices Liability
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Errors and Omissions Insurance
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Film Errors and Omissions
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Intellectual Property
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Key Person Insurance
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Legal Expenses
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Media
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Motor Insurance
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Negative, Film & Videotape
Pensions and Benefits
Pensions and Benefits
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Production Company Insurance
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Professional Indemnity
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Property & Equipment
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Public & Products Liability
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Travel & Personal Accident
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Trustee Liability

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Specialist & Independent

La Playa's specialist Mediatech team can help you protect your business with smart, flexible, high-performance insurance - with a friendly human UI. We understand the risks and pressures you face - and we speak your language. We’ll support you with great advice - helping you make good decisions for your organization. Our specialist policies can help streamline costs, and we’ll always help you stay ahead of the game in managing risk.

Advice You Can Trust

…from an expert who understands you

Tech-based business is 24/7, global and borderless, always exposing you to new risks and liabilities - often in unfamiliar places. As the law struggles to keep pace with technology, insurance can provide a real safety net if you fall foul of changing legislation.

  • Specialist insurance for media and digital
  • Independent, expert advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across US and UK
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