Leaked content
Paid posts and courses shared outside the paywall.
Community owner insurance
Community owner insurance: coverage for paid communities and memberships.
The short answer
Community owner insurance from CreatorSure covers what happens inside your paid community. Media liability pays for your defense when someone says content in your Patreon, Skool, Whop, Circle or Discord defamed them, invaded their privacy or used their work. Fight Back helps pay for a lawyer when someone leaks or resells your members-only content.
You built the room. Paid community insurance covers what gets said in it.
Get a quoteWhat it covers
What community owner insurance covers
Two halves, one quote. Media liability for when someone comes after you. Fight Back for when you need to go after them.
- Claims over content you post for members
- Claims over member posts you host
- Privacy claims over recorded calls and shared screenshots
- Copyright claims over materials in your community
- Fight Back for leaked or resold content
CreatorSure will place a policy that covers the way you work. Coverage depends on your policy terms.
The risks
Risks for Patreon, Skool, Whop, Circle, Discord, and other membership platforms
- Member posts. A member says something false about someone, in your space.
- Live calls. Recordings shared without consent.
- Screenshots. DMs and posts shared outside the group.
- Moderators. Decisions your mods make in your name.
- Member disputes. Fights that spill into claims.
Community owner insurance
Claims from members or content inside the community
Claims can come from members, from people members talk about, or from rights holders whose work got shared. Membership insurance from CreatorSure covers claims over the content in your community. If members say your paid program didn't deliver, that's professional liability, which CreatorSure covers too (ask for it on your quote).
Fight Back
Fight Back for stolen content or unauthorized use
Most insurance waits for you to get sued. Fight Back helps pay for takedowns, demand letters and a lawyer to go after people who take your work. It's for theft you find after your policy starts.
Resold materials
Your community content sold by someone else.
Copycat communities
Fake groups using your name.
False claims
Lies that cost you members.
Someone ripping off your work?
Proof of insurance
Proof of insurance for platforms and sponsors
Sponsors, partners and event venues sometimes ask for proof of coverage. Once you're covered, CreatorSure sends a certificate of insurance to anyone who needs it.
Community owner insurance
Does the platform protect you?
Patreon, Skool, Whop, Discord and Circle have terms that protect the platform. They don't defend you. A demand letter or lawsuit over content in your community is aimed at you, the owner. That's what Patreon insurance, Skool community insurance and Whop insurance are for. Discord server owner liability works the same way.
Cost
Community owner insurance cost
There's no flat price, and we won't guess at one here. Your community owner insurance cost depends on your member count, revenue, what your community is about, how much members post, the limits you choose, and your claims history.
CreatorSure builds the quote around you, so you're not paying for extras you don't need. See what moves the price, then request a quote for a real number.
FAQ
Community owner insurance FAQ
Do community owners need insurance?
If you run a paid community, host member posts or record calls, yes. Media liability covers claims over the content in your community. Fight Back helps when someone leaks it.
How much does community owner insurance cost?
It depends on your members, revenue, topic and the limits you need. CreatorSure tailors a quote to your community. Request one to get your number.
Am I liable for what members post?
Claims over member posts can name the owner. Media liability pays for your defense, and CreatorSure will place a policy that covers your community.
Does Patreon or Skool cover me?
No. Platform terms protect the platform. Your own policy protects you.
Who we cover
More creator insurance
Get a quote
Get a quote. Keep making it. We've got your back.
- 1
Tell us about you
Fill out the quote form with a few details about what you do.
- 2
We build your custom quote
We put it together around the coverage you actually want.
- 3
Pick your coverage
We walk you through your options in plain English. You decide. No pressure.
Not sure what you need? Tell us what you make. A real person reads every request and gets back to you.
Coverage depends on your policy's terms, conditions and exclusions.