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Why do podcasters need insurance?
An accusation of slander or copyright infringement could be a major setback for a podcaster, especially if you end up in court. Business insurance provides a financial safety net against lawsuits, theft of recording equipment, and accidents in your studio that harm someone or damage property.
Find affordable coverage
Podcasters can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of business insurance do podcasters need?
These insurance policies cover the most common risks faced by podcasters.
General liability insurance
This policy covers basic risks, such as a guest who slips and suffers an injury during an interview. Bundle it with commercial property insurance in a business owner's policy for savings.
BEST FOR
- Slip-and-fall injuries
- Property damage lawsuits
- Commercial lease requirements
Media liability insurance
This policy covers legal costs when a podcaster makes a mistake that causes financial harm, or is accused of defamation or copyright infringement. It's also referred to as professional liability insurance.
BEST FOR
- Copyright infringement
- Slander and other defamation claims
- Breach of contract
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for podcasters to purchase general liability coverage and commercial property insurance together.
BEST FOR
- Damaged client property
- Slip-and-fall injuries at your studio
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for podcasting businesses with employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
A cyber liability policy coves costs related to data breaches and cyberattacks. It's strongly recommended for podcasters who store email addresses and other personal information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion payments
Commercial auto insurance
Commercial auto insurance helps cover costs if a vehicle owned by a podcasting business is involved in an accident. It's usually required for business-owned vehicles.
BEST FOR
- Property damage caused by your vehicle
- Injuries caused by your vehicle
- Vehicle theft or vandalism
Looking for different coverage? See more policies.
How much does insurance cost for media and advertising professionals?
A content creator who works independently will pay less for insurance than a larger company.
Factors that affect premiums include:
- Media and advertising services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get podcaster insurance?
It's easy to get business insurance for podcasters, writers, and social media influencers if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right podcast insurance coverage for your business, whether you work independently or hire employees.
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