Legal cover when disputes hit
- Contract & brand-deal disputes
- Copyright & content takedowns
- Debt recovery on unpaid invoices
- Crisis communications & PR
Insurance for content creators.
One bad day shouldn't cost you everything.
21k
UK social media and email accounts reported hacked in 2024, the most-reported cybercrime
source | Action Fraud
Creator cover in the real world
A few everyday situations where the cover steps in, and what they'd cost if it didn't.
The stolen camera bag
Your gear bag is taken from a location shoot the morning of a deadline. Replacing a full rig can run to thousands you hadn't budgeted for. All Risks covers the replacement so you can keep filming.
The hacked account
An attacker locks you out of your channel and your follower data is exposed. That can mean weeks of lost income and a scramble to win the account back. Cyber cover funds the recovery, the notification and the response.
The injured extra
Someone trips over a cable at your shoot and is hurt. A claim like that can reach tens of thousands once legal costs are in. Public Liability handles the compensation and the legal costs.
We've spent a decade inside the creator economy
Having founded a leading luxury talent agency, we saw the risks creators face first hand. Gear stolen on a shoot, a brand deal that turned into a liability claim, an account hacked the week of a launch. Creators run real businesses, carrying thousands in gear, holding an audience's data and taking on liability with every deal. The insurance on offer was never built for any of it, so we built cover that fits the way creators actually work.
The policies that matter most
The core modules creators tend to need. Tap through for what each one does.
- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- All RisksBroader cover for accidental loss or damage to business assets — including the kit you take off-site.
- CyberA data breach, ransomware or account takeover — incident response, recovery and liability.
More than a policy
We know a contract row or a hack always seems to land mid-launch. Add Legal Expenses and you get legal cover plus a team of experts on the phone, so a bad day doesn't have to derail your output.
Experts on the phone
- 24/7 legal & tax advice
- Contract & IP guidance
- Confidential counselling, 24/7
- 24/7 cyber incident line
Instant business cover built for how you work.
No matter where you are in your journey, we've got you covered.
Backed by
The insurers and partners behind your cover.
Questions, answered
Most combine Public Liability, All Risks for gear and Cyber, with Legal Expenses for contract disputes. Add Employers' Liability once you have a team. Professional Indemnity is launching soon. The right mix depends on your work and clients.
Yes. All Risks is built for gear that travels, covering loss, theft and accidental damage on set, on location and on the road.
Often yes. Brand partners and agencies frequently ask for Public Liability, and contracts can request Professional Indemnity. We'll flag what your agreements need during your quote.
Often we can still help. Sectors outside the instant-quote appetite are routed to a specialist who can write the cover on referral. caremate™ handles the hand-off.
For the segments shown here, you can get a quote and bind cover in minutes, with no broker back-and-forth.
A simple £25 admin fee, no surprises. And if you ever need to claim, an in-house team handles it directly.