Professional Indemnity Insurance for Influencers

Influencer marketing offers numerous opportunities for companies to generate attention. However, the risks and challenges associated with it are just as great. Even a single post that lacks advertising labelling can lead to a written warning. That's why you, as an influencer, should ensure that you are optimally protected. With Professional Indemnity Insurance for influencers you are optimally insured in such cases. 

ab € 133,10 netto p.a.

Comprehensive Protection with Influencer Insurance

• Claims for damages and written warnings covered
• Protection in the event of a breach of confidentiality
• Contractual violations hedged
• All social media profiles included
• Insurance against trademark, copyright or licence infringement
• Worldwide insurance cover
• Immediate insurance cover thanks to online purchase
• Personalised support from our team of experts

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• Individual and comprehensive insurance protection
• High coverage sums for financial losses
• No-claims evidence going back five years

The right Protection for Influencers

As an influencer, you are active on numerous channels and regularly produce content. In doing so, you are always exposed to the risk of a warning. Without realising it, you may incorporate a copyrighted image into your website. Thanks to image reverse search, such an infringement is now easy to detect. The consequence: a warning lands in your letterbox. This is not the only reason why it is important to have Professional Indemnity Insurance that covers such risks. With Professional Indemnity Insurance from exali, you are fully covered as an influencer. This not only takes care of warnings, but also of all other typical professional risks of influencers. 

• Instagram-Influencer
• Tik-Toker
• Blogger

• You-Tuber
• Streamer
• Influencer-Coach

Professional Indemnity Insurance through exali: the perfect Protection for Influencers.

Professional Indemnity Insurance from exali offers influencers of all kinds comprehensive protection, e.g. in the event of warnings (due to missing advertising labelling or due to a violation of trademark or copyright law). In the event of a claim, the insurer checks at its own expense whether the claims are justified and, in the event of a justified claim, pays compensation.

Protection in the Event of Financial Loss

Violations of personal rights and confidentiality agreements, as well as copyright, trademark or licence law, are among the biggest risks for influencers. Professional Indemnity Insurance protects you from expensive consequences that can arise from even minor professional mistakes (e.g. compensation, legal fees and court costs). The insurer covers justified claims for damages and defends you against unjustified claims (passive legal protection).

Protected against Cybercrime

Instagram influencers are increasingly becoming the target of cybercriminals. These manage to take over an influencer's account in a variety of ways in order to blackmail them afterwards. They often use phishing emails to obtain your access data. Some even use Instagram to reach their victims. If a third party (e.g. a customer or client) suffers damage due to a cyber attack on your system, this is covered by insurance.

Personal Injury and Property Damage 

Personal injury and property damage are covered by Professional Indemnity Insurance. Your hot coffee scalds the lap of your cooperation partner or your agent? You damage the event technology at one of your photo shoots? In both cases, the insurer covers the costs incurred, whether it is for the replacement of the technology or medical treatment of the injured person. Damage to rented event premises or the loss of key cards is also covered by the insurance.

Worldwide Protection for Influencers

For you as a content creator or influencer, working abroad is just as much part of your job as spontaneous business trips. Thanks to worldwide coverage of media liability, you are fully covered wherever your next destination is, as long as your place of business is in a country where we can offer our Professional Indemnity Insurance. In the event of a claim, you can contact our insurance experts directly, without having to wait on hold or deal with a call centre.

 

Typical Mistakes in Competitions

Prize draws are a popular way to increase the reach of your profile and the number of your followers. They allow influencers to generate maximum attention. However, there are a few things to keep in mind when running a prize draw to avoid risking a cease and desist letter. These are the most common mistakes.

• No terms and conditions of participation stated (warning)
• Winners not notified privately, but named (GDPR fine)
• Participants' data stored for too long (GDPR fine)

In addition, the guidelines of the respective platform must always be observed when running competitions. If you fail to observe these, the platform is entitled to delete the competition or even your account. With so many rules and guidelines, it is not easy to keep on top of things. If you have forgotten something when drawing up the conditions of participation and are therefore warned, Professional Indemnity Insurance via exali protects you from the costly consequences.

Why choose exali.com

• Talk to a real person - no call centre!
• We know what your daily worklife is like, meaning we know what you need
• Our insurance conditions are tailored to your business

• We handle your damages immediately
• We make sure that your insured damage event is also resolved!
• We also insure against unusual risks (e.g. contract liability, contract penalties)

Influencer Insurance: an Eye on potential Risks

With Professional Indemnity Insurance for Influencer, you can make the risks of your day-to-day professional life more calculable. The following damages can happen to you in the course of your work as an influencer:

• A manufacturer sends you a great winter jacket. You then present the product to your community, but do not point out that it is advertising. Your followers do not realise that this is a sponsored post. A competitor becomes aware of your post and issues you with a warning for unfair advertising.
• A hotel invites you to spend a weekend there, hoping that it will attract more attention on social media. However, a lot goes wrong during your stay, so you can't report anything good. As a result, a shitstorm erupts among your followers. The hotel demands compensation. The insurer reviews the claims and handles the processing of the claim.

 

 

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