What once started as a sidekick for a few has long since become a respected job: As a content creator, you create creative, informative, humorous and political content and make it available to your followers via platforms such as Instagram, YouTube, TikTok, Spotify & Co. It's a full-time job. And as with any professional activity, there are a few risks for which you are liable in case of doubt. The only difference is that you are not automatically insured, unlike the nine-to-five employee.
So you don't have to worry about that, we've developed an exclusive insurance package for content creators: Whether you're a blogger, vlogger, podcaster, streamer or influencer, you're covered with ensure!
Needs-based composition of your insurance
Professional liability insurance
Professional liability insurance is the basic module and indispensable. It begins where private liability insurance ends. It covers you for personal injury, property damage and resulting financial losses caused by or during the performance of your job as a content creator with coverage of up to 10 million euros.
Liability for pecuniary loss
The basic professional liability module covers personal injury, property damage and resulting financial loss. The pecuniary loss itself (i.e. purely financial loss) can be covered by pecuniary loss liability. We offer you this protection with a sum insured of up to 100,000 euros.
Content insurance plus E
Whether you're a blogger, influencer or podcaster – you have a workplace, use a computer, have at least one smartphone and own other equipment such as cameras, microphones, etc. The content insurance plus E for electronics covers all of this. Whether it's theft or fire – with this insurance module, you benefit from coverage of up to 35,000 euros with a deductible for electronics of 250 euros.
And what does it cost?
The prices of the individual insurance modules depend on your annual turnover – the more coverage you have, the higher the risks you take every day. Depending on the composition of your insurance package, the total amount is then calculated. You can pay monthly or annually – whatever suits you. If you pay the premium annually, you save 8 percent. You can download a detailed cost overview here.
The risk you take: Damage examples
Oh No! The Bag!
You are provided with a designer handbag for an event, which accidentally suffers irreparable damage. You trip over the photographer's camera during the shoot. Such small slips can quickly become expensive. With professional liability insurance from ensure! you don't have to worry.
Oops! Sorry!
You publish images without having the corresponding rights. This results in a pecuniary loss, which you are now required to compensate. Your pecuniary loss liability includes that first of all the legitimacy of the claim is checked. If you have actually caused financial damage, you are covered. Among other things, SMT also protects you in the event of breach of contract.
WTF? Why?
Your office is broken into and cameras, laptop and co. are gone. Don't worry - your content insurance plus E covers that. You have to pay a deductible of 250 euros for your electronic equipment, but we all know what a slim laptop can cost...
Only in Germany
You are a blogger and not a lawyer. Nevertheless, an incorrect imprint can be warned – this is of course annoying and can be avoided. The warning protection checks not only preventively your online presence, but also covers in case of doubt a damage.
You still have a few questions or are unsure which modules you actually need?
We advise you individually and independently:
Call us at +49 40 41 43 79 79
Send us a WhatsApp to +49 179 41 777 99
or simply mail us at info@ensure-online.de
The ensure! content creator insurance
Tailor-made thanks to 25 years of experience
We at ensure! are insurance brokers, which means that we advise our customers independently of insurance companies on all aspects of insurance. However, in 25 years on the market, one can also find one or the other gap in the offer. To be able to offer our customers the best of the best, we have designed a tailor-made product in cooperation with an insurance company for you and all other content creators.
Any questions? We are here for you!
Just send us an e-mail or call us at +49 40 41 43 79 79.