Blogger. Vlogger. Influencer. There are a lot of different types of job available to people. And lots of different ways in which businesses can add content to their websites and other platforms. All of which open up questions about insurance.
If you are creating content – whether on a personal blog, on social media, or through your company as just a few examples, then insurance may be an area you need to consider.
The importance of insurance
Having the right insurance in place to protect you against the risks that you face while doing business is vitally important.
There are a wide range of business insurance policies available to you as a business owner or if you are self-employed. Check out our guide to business insurance which details the type of insurance you may need depending on the type of business you run.
At Anthony Jones we also have an insurance provision for social influencers so do get in touch with us if this is something you think you may need.
The cover that we can arrange includes areas such as
- legal defence costs and expenses
- reputation management
- unintentional breach of confidentiality
- unintentional infringement of intellectual property rights
- data protection defence costs
- costs for prosecuting infringement of your intellectual property rights
You’ll need to complete a proposal form with the most up to date information about your business. The cost of your blogger insurance will depend on a range of factors linked to the risks your individual business faces, including
- whether or not you use your own images
- if you allow guest posts
- the content you write about
Why may you need to consider blogger insurance?
If you are publishing content, then you can face a range of possible risks. Ultimately, you need to keep in mind that you are responsible for the information that you publish on your blog.
When publishing a blog or other content, some of the risks you could face include:
You could face claims if someone accuses you of defamation – if content you publish leads someone to accuse you of damaging their reputation. Whether they are an individual or business.
A high profile example of this is the case seen earlier in the year between Rebecca Vardy and Coleen Rooney.
Copyright and intellectual property issues
Using an image which you do not have the correct rights to use. Taking content from another site. Or being accused of copying someone else’s work. Just a few examples of how you could encounter copyright or intellectual property disputes.
Invasion of privacy
Again, you may face action if someone believes that the content you have published invades their privacy.
If your blog or content provides advice, you could face a claim if someone claims the information provided has caused them harm.
Issues linked to giveaways, promotions, or advertising
If you run competitions, giveaways or promote products from other brands for example, you will need to make sure you comply with all necessary rules & regulations when doing so.
Failing to do so can see you fall foul of rules set by bodies such as the Advertising Standards Agency (ASA) who could potentially take further action against you.
You should also keep in mind that publishing content online opens you up to worldwide views, and therefore the possibility that you could be sued under laws in other countries as well.
Chat to our business insurance teams about how we can help you get the right insurance in place for your business. With an ever changing digital landscape, it is reassuring to know you have the right cover in place to protect the business you have developed. Contact us on 020 8290 9080 or email us at firstname.lastname@example.org.