Updated September 2026
If you’re a blogger, you might have wondered whether you should have insurance of some type, especially if blogging is your main source of income. Do bloggers need insurance? This post takes a look.
Why Do Bloggers Need Insurance?
There are quite a few reasons bloggers might want insurance to protect themselves and their business should something untoward happen.
Having blogging insurance can help with lots of different aspects of your business, depending on exactly what you do.
In fact, some brands may request that bloggers have professional indemnity insurance before agreeing to work with them, and some freelance platforms and clients may also have their own insurance requirements.
Virtual Assistant Services
Many bloggers offer VA services alongside their blogs. This would usually include things like writing blog posts, creating social media posts and answering emails.
Imagine if a blogger were to accidentally share something controversial or inappropriate while working on these services for a brand, instead of sharing it to their own personal page.
The brand could lose thousands of followers and potentially suffer damage to its reputation. This in turn could result in a loss of sales.
In this instance, the brand may choose to pursue legal action depending on how much damage was caused.
Having insurance in place could mean that the blogger has cover for things like legal costs and legal representation should they need it. Of course, we’d all hope things wouldn’t ever get that far, but it’s always better to understand what you’re covered for just in case.
Copyright Infringement
Whether you’ve been accused of copyright infringement or you’ve found that another person has been stealing and using your images or content, having the right insurance in place may help with certain legal costs and claims.
I’ve touched on copyright infringement in a couple of other posts which you can read here:
Scam Image Emails: What To Look Out For
How To Protect Your Images As A Blogger
Equipment
As a blogger, you may have some expensive equipment that you should consider insuring in case of damage, loss or theft.
You could choose to cover items such as your laptop, PC or Mac, camera and other photography equipment, mobile phone, and video equipment.
Exactly what is covered will depend on the policy you choose, so it’s worth checking the details rather than assuming all of your equipment is automatically covered.
Professional Indemnity Vs Public Liability Insurance
If you’re looking at insurance for your blog, you’ll probably come across professional indemnity and public liability insurance.
They aren’t the same thing.
Professional indemnity insurance is generally designed to cover claims relating to your professional work. For example, if a client claimed that you had made a mistake, been negligent or caused them a financial loss through the work you provided.
Public liability insurance is more about claims from members of the public relating to things such as injury or damage to property.
For example, if you were working at an event and someone was injured because of something connected with your business, public liability insurance could potentially cover the resulting claim.
You don’t necessarily need both. It really depends on what you do as a blogger and how your business operates.
If you’re unsure which type of insurance you need, it’s worth speaking to an insurance provider and explaining exactly what you do rather than simply buying a policy because it says ‘blogger’ on the front.
Where To Get Insurance For Bloggers
There are a number of insurance providers that offer cover that could be suitable for bloggers, freelancers and other content creators.
PolicyBee offers insurance for influencers and content creators, with cover that can include things such as professional negligence, defamation, intellectual property and copyright infringement and breach of contract.
Hiscox also offers insurance for publishers and has specific insurance products covering influencers and public figures. Its policies can include different types of cover depending on the nature of the work and the risks involved.
It’s worth remembering that a blogger, influencer and YouTuber don’t necessarily have exactly the same insurance needs.
A blogger who mainly writes articles for their own website may have very different requirements to someone creating sponsored videos, attending events, working with brands or providing freelance services.
The same applies if you offer other services alongside your blog, such as virtual assistance, photography, copywriting or social media management.
Rather than looking for the cheapest ‘blogger insurance’, I’d recommend explaining exactly what you do to the insurer and checking that the policy actually covers your work.
How Much Does Blogger Insurance Cost?
Insurance costs can vary considerably depending on what you do, your turnover, the type and amount of cover you need and the risks associated with your business.
You’ll need to do some research to find out exactly which cover suits what you do. For example, I work from home and don’t ever travel to visit clients or have clients in my home, so I didn’t go for public liability insurance.
The important thing is to make sure you understand what you’re actually covered for before buying a policy.
Do Bloggers Need Insurance?
There isn’t one simple answer to whether every blogger needs insurance. It depends on what you do, how you make money from your blog and whether you provide services to other people or businesses.
A blogger who simply writes their own website may have very different insurance needs to a blogger who works with brands, offers freelance services, attends events or also works as an influencer or YouTuber.
Some clients or brands may also require you to have particular insurance before they’ll work with you.
So, if you’re earning money from blogging, it’s worth looking at your options and finding out what type of cover would actually be relevant to your business.
