Usage past the license
A brand keeps running your video after the term ends.
UGC creator insurance
UGC creator insurance: coverage for brand content and client work.
The short answer
UGC creator insurance from CreatorSure covers the videos you make for brands. Media liability pays for your defense when someone says your content made a false claim, used their work or showed them without permission. Fight Back helps pay for a lawyer when a brand runs your content past its license or someone else uses it without paying.
You make the ad. When a claim comes over it, UGC insurance means you're not on your own.
Get a quoteWhat it covers
What UGC creator 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 product claims you make in brand content
- Copyright claims over music, props or footage in your videos
- Privacy and likeness claims from people in your videos
- Disputes over client deliverables
- Fight Back when brands or others misuse your content
CreatorSure will place a policy that covers the way you work. Coverage depends on your policy terms.
The risks
Risks in brand content and client deliverables
- Scripts you're handed. A brand's claim in your mouth is still your video.
- Ad usage. Your content running in paid ads you didn't plan for.
- Music and props. A trending sound or a logo in frame.
- Contracts. Clauses that put the claim on you.
- Disclosure. Endorsement and disclosure complaints can reach creators, not only brands.
Fight Back
Fight Back when brands or others misuse your content
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.
No license at all
Your content in ads you were never paid for.
Reposted as someone else's
Your videos used by other creators or pages.
Unpaid work
A client uses deliverables and won't pay.
Someone ripping off your work?
Proof of insurance
Proof of insurance for brands
More brands and agencies ask UGC creators for proof of coverage before work starts. Once you're covered, CreatorSure sends a certificate of insurance to anyone who needs it.
General liability
General liability vs media liability for UGC
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.
Making content for brands is advertising work, so that part is usually limited or excluded for you. This is called the media exclusion, and GL doesn't address claims over your content the way media liability does.
General liability covers physical accidents. Media liability covers claims over the content you deliver. 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
UGC creator insurance cost
There's no flat price, and we won't guess at one here. Your UGC creator insurance cost depends on how many brands you work with, your revenue, the kind of products you feature, the limits brand contracts 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
UGC creator insurance FAQ
Do UGC creators need insurance?
If you make content for brands, yes. Media liability covers claims over your deliverables, and many brands ask for proof of coverage. Fight Back helps when a brand uses your work without paying.
How much does UGC creator insurance cost?
It depends on your client volume, revenue, product categories and the limits you need. CreatorSure tailors a quote to your work. Request one to get your number.
Who's liable for a brand's claim in my video?
Both of you can be named. Your contract can also put the claim on you. Media liability pays for your defense.
Can I get proof of insurance for a brand?
Yes. Once you're covered, CreatorSure issues a certificate of insurance for the brand or agency.
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.