Indicative creator insurance pricing

Insurance pricing that starts where creators actually are

These planning estimates show the current SafeWord product structure. Final carrier, coverage, premium, taxes, fees, eligibility, and availability require underwriting review and written terms.

Policy period

12-month annual premium

Coverage basis

Creator media liability and E&O

Bind path

Underwriting review before terms

Starting point

Tier 1

Media only

For creators who need media liability protection without contract E&O.

Starting from

$500/yr

starting annual premium for eligible creators under $50k revenue

Starting from $850/yr at $50k+ revenue

Limit

$500K / $1M

Start this application →
✓Media liability, IC1
✓Defamation, libel, slander, privacy, and IP allegations
✓Creator-specific media liability structure
✓Best fit for smaller creators, podcasters, streamers, and solo channels
✗Professional liability / contract E&O
✗General liability
✗Cyber, priced separately when available
Core product structure

Tier 2

Media + professional liability

The main SafeWord product for working creators and media businesses.

Starting from

$850/yr

starting annual premium for eligible creators under $50k revenue

Starting from $1,000/yr at $50k+ revenue

Limit

$1M / $2M

Start this application →
✓Media liability, IC1
✓Professional liability / IC2 contract coverage
✓Sponsored content and deliverable disputes
✓Best fit for brand deals, agencies, coaches, studios, and creator businesses
✗General liability, available as a separate add-on
✗Cyber, separate product pending final pricing

Separate add-ons

Add the coverage your creator business actually needs

Media and professional liability are the core SafeWord options. General liability can be added separately for eligible creators who need venue, event, product, or in-person coverage. Cyber will be offered separately once final add-on pricing is approved, so we can capture the need now without presenting it as included.

GL $1M$650
GL $2M$950
GL $5M$3,500
GL $10M+Outside appetite

Underwriting review

Fast quotes for straightforward risks. Human review when it matters.

Review is not a decline. It just means an underwriter should look at the details before we offer bindable terms.

Creator work involving elevated safety, rights, or reputational sensitivity
Investigative, watchdog, documentary, or dispute-related projects
Financial, health, legal, crypto, or other regulated subject matter
Merchandise, physical products, live events, venues, drones, vehicles, or international operations
Professional services or advice that may need E&O treatment
Third-party content, guest or location appearances, releases, minors, or sensitive personal data
Prior claims, lawsuits, platform issues, or other loss history

Coverage guide

Coverage lines explained

View full coverage guide →

Media Liability

Protection for claims tied to what you publish, say, stream, write, film, record, or distribute.

Cyber Liability

Protection for account compromise, data incidents, ransomware, privacy events, and the response costs that follow.

Professional Liability / E&O

Protection for claims that your professional services, advice, deliverables, or sponsored work caused financial harm.

General Liability

Protection for bodily injury, property damage, and certain personal injury claims from offline business activity.

Common questions

Is this monthly subscription pricing?

No. The figures shown are annual premium planning estimates. Any financing and final payment terms depend on the carrier placement.

Why does it say starting from?

The starting premium assumes the account is inside appetite and below the first revenue breakpoint. Final terms depend on revenue, content, platform, claims history, and underwriting review.

Is cyber included?

No. Cyber is separate and pending final add-on pricing. SafeWord can capture the need now and follow up when cyber pricing is ready.

Can I add general liability?

Yes, when inside appetite. GL is priced separately at $650 for $1M, $950 for $2M, and $3,500 for $5M.

Ready to build the underwriting file?

Start application →See claim scenarios