Stolen VODs
Full streams reuploaded by channels farming views.
Streamer insurance
Streamer insurance: coverage for live content, clips, and claims.
The short answer
Streamer insurance from CreatorSure covers what you say and show live. Media liability pays for your defense when someone says your stream, VOD or clip defamed them, used their work or invaded their privacy. Fight Back helps pay for a lawyer when someone steals your VODs, reuploads your clips or impersonates you.
Live means no edit button. Twitch streamer insurance and Kick streamer insurance cover what goes out.
Get a quoteWhat it covers
What streamer 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 what you say live, in VODs and in clips
- Copyright claims over music, shows or footage on stream
- Privacy claims from people who appear on your stream
- Claims tied to sponsored segments
- Fight Back for stolen VODs, reuploads and impersonation
CreatorSure will place a policy that covers the way you work. Coverage depends on your policy terms.
The risks
Risks unique to live streaming and clips
- No delay. One heated moment goes out to everyone at once.
- Clips live forever. Viewers clip it, repost it and spread it.
- Guests and collabs. What someone else says on your stream is still your stream.
- Reacting to content. Watching other people's work live is a fair use argument you'd have to make.
- IRL streams. Filming people in public who never agreed to it.
Fight Back
Fight Back for stolen VODs, reuploads, and impersonation
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.
Clip farms
Pages monetizing your clips without permission.
Impersonation
Fake accounts using your name to scam your chat.
False claims
Lies that cost you sponsors or partnerships.
Someone ripping off your work?
Proof of insurance
Proof of insurance for sponsors and platforms
Sponsors, esports teams, events and agencies often want proof before they sign. Once you're covered, CreatorSure sends a certificate of insurance to anyone who needs it.
General liability
General liability vs media liability for streamers
General liability, or GL, is the policy lots of small businesses buy. One part of it, Coverage B, is for personal and advertising injury. For an ordinary business, like a plumber, that part typically covers defamation claims.
Streaming is broadcasting, so that part is usually limited or excluded for streamers. This is called the media exclusion, and GL doesn't address claims over your content the way media liability does.
General liability is built for physical accidents. Media liability is built for claims over your content. Keep GL for physical accidents (CreatorSure covers general liability too and will place it alongside your media liability), and add media liability for your content.
Cost
How much does streamer insurance cost?
There's no flat price, and we won't guess at one here. Your streamer insurance cost depends on your audience size, how you earn (subs, sponsors, donations), what you stream, the limits your sponsors ask for, 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
Streamer insurance FAQ
Do streamers need insurance?
If you earn from your streams, take sponsors, react to other people's content or stream in public, yes. Media liability covers claims over your streams. Fight Back helps you go after people who steal them.
How much does streamer insurance cost?
It depends on your audience, income, content and the limits you need. CreatorSure builds a quote around your channel. Request one to get your number.
Does Twitch or Kick protect me from lawsuits?
Platform strikes and bans are the platform's process. A lawsuit or demand letter is aimed at you. Media liability pays for your defense.
Does streamer insurance cover clips other people make?
Yes. Claims over clips of your stream are claims over your content, and CreatorSure will place a policy that covers them.
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.