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Frequently Asked Questions

Bespoke insurance for social media influencers_

From as little as $650 a year for up to $100,000 towards legal costs

You’ve got questions? We’ve got answers

Legal jargon. Fines. Court appearances. Professional Indemnity Insurance sounds intense, especially if you’re new to it. If you’ve got a query that’s not addressed on Our Cover then see below for the answers to the most common questions about common insurance terminology, our plans and billing.

A helping hand

1. What is Social Media Influencers Insurance?

Social Media Influencers Insurance provides funds for losses you are legally liable for, including legal defence costs if you make a mistake or are negligent and a claim is brought against you by a third party. It can extend to include costs incurred to rectify the problem or to mitigate the costs to avoid a more expensive liability claim. Your contracts with your clients may include clauses that require you to have Social Media Influencers Insurance.

2. What does Social Media Influencers Insurance cover?

Social Media Influencers Insurance provides cover for allegations made against you for:

  • Negligence or breach of duty of care.
  • Negligent mis-statement & defamation – unwitting or intended comments.
  • Infringement of intellectual property rights including copyright, performance and broadcasting rights.
  • Breach of contract.
  • Breach of privacy or publicity.
  • Dishonesty of your partners, directors, employees or freelancers.
3. Do I need Social Media Influencers Insurance?

What if…?

  • Are you talking about products or celebrities? What if you get your facts wrong, offend someone or just say the wrong thing?
  • Are you posting images? Do you have the right permissions and licences? What if you use last season’s product image? Aerial shots from drones require particular permissions.
  • Are you publishing someone else’s review? Who owns the copyright – you or the author?
  • Are you promoting a product?  Have you declared your interest to your readers?
  • How safe is the data of your subscribers – and how good is your Privacy Policy?

Everything you do and say on social media could affect the reputation you’re building, and if you inadvertently defamed someone or breached someone’s intellectual property, you could have a costly lawsuit on your hands. Social Media Influencers Insurance provides an affordable solution for protection for these sorts of risks.

4. Is Social Media Influencers Insurance required?

No Social Media Influencers Insurance isn’t a legally required  insurance in the US, although  many client/vendor contracts often include clauses that require it.

5. How much Social Media Influencers Insurance do I need?

The level of coverage that you need may be dictated by a client contract. However we suggest that you purchase a limit which you can reasonably afford and will cover your likely risk exposures.

6. What’s the difference between Errors and Omissions and Social Media Influencers Insurance?

They are different names for the same form of insurance cover – in the US it is more commonly known as Errors and Omissions Insurance.

7. What is a “retroactive date”?

Social Media Influencers Insurance is arranged on a “claims made” basis so a retroactive date is added to the policy to note the date since when you have held uninterrupted Social Media Influencers Insurance – even if you have changed insurance companies during this time. Any claims or incidents which happened before the retroactive date will not be covered by your Social Media Influencers Insurance policy.

8. What does the term “professional service” mean?

This refers to the activities, business description or trade covered under the policy. The policy is only designed to provide cover for your activities as an Influencer – any work or activities that fall outside of this definition is not covered by the scope of this insurance.

9. What does the term “geographical limits” mean?

The geographical limits of the policy are worldwide as, after all, the risks you’re exposed to online are global!

10. What does the term “jurisdiction limits” mean?

This refers to the legal jurisdiction limits covered under the policy – and most importantly, therefore, the relevant legal costs which are insured. The jurisdiction limits of the policy are worldwide as, after all, the risks you’re exposed to online are global and claims can therefore be brought against you anywhere in the world.

11. Can I buy online?

We’ve made this super easy for you – just click the ‘Get a Quote’ page, tick the relevant boxes, enter your personal details, and we’ll offer you a competitive quotation. Then you’re ready to buy your Social Media Influencer insurance and have confirmation of cover within minutes.

13. What payment methods do you offer?

We accept payment by credit or debit card only.

14. I don’t fit within the criteria specified - can I still get a quote from you?

Absolutely! If you need a more bespoke quotation, please contact the team via referrals@assuredsocial.com

15. I’m having problems buying online

Please get in touch with the team via referrals@assuredsocial.com – our normal office hours are Monday to Friday 9am to 5.30pm

16. I no longer need this insurance - can I cancel?

You have the right to cancel your policy within 14 days following the date of purchase. We cannot accept policy cancellation outside of the initial 14 day period.  Outside of the initial 14 day period, the premium is deemed fully earned by Underwriters.

All policies sold by Us are offered on an annual basis only, and if a claim has been made under the policy during the initial 14 day period, no refund will be payable as the contract will be deemed as fulfilled.

18. How do I get copies of my insurance documents?

Just log into your online account and everything can be found there, including copies of the policy schedule and policy wording.

19. What is the tax included in my insurance premium?

The tax included in your insurance premium is a surplus lines insurance premium tax & fee. It’s a percentage of the premium and is set by each state.

20. Who is covered by my policy?

The policy only provides cover for you and your activities as an Influencer. No one else is covered by this policy.

21. Help! I think I need to make a claim - what do I do?

EMAIL: PE.ROWclaims@beazley.com
US PHONE: 866-980-3231
US  FAX: (866) 910-1397
ATTENTION: CLAIMS DEPARTMENT

All notices must be sent either by e-mail to PE.ROWclaims@beazley.com

or by mail to the address below:

Claims
Beazley Plc
Plantation Place South,
60 Great Tower Street,
London,
EC3R 5AD

22. How long will a claim take to be resolved?

Professional Liability claims can be very complex but others can be relatively straightforward. We’ll work with you and your insurer Beazley to handle each claim as appropriate – rest assured each claim will get the attention it deserves and we’ll be there to help and guide you throughout the claims process.

23. If I make a claim, might it affect my renewal premium?

Possibly – depending upon what the claim was for, whether the claim was settled and how much for.

24. How do I make a complaint?

It is our intention at all times to treat customers fairly and provide high quality service. However, if you have a complaint about our service you should contact Chris Van Leeuwen, Vice President of Brokerage or Julie Stafford, Office Manager at the following address:

Veracity Insurance Solutions, LLC
260 South 2500 West, Suite 303
Pleasant Grove, UT 84062

You may make your complaint at any time and by any reasonable means although we would prefer you to contact us in writing, detailing the precise nature of your complaint, so that there can be no misunderstanding.   If you cannot settle your complaint with us you may be entitled to refer the matter subsequently to your local Department of Insurance.

25. What is the Hospitality and Entertainment RPG?

By purchasing this policy you become a member of the Hospitality and Entertainment RPG. Each member of the RPG has their own policy limits, which are not shared by or diminished due to claims made by other members of the RPG.