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
Automated controls with human referral review
Tier 1
Media only
For creators who need media liability protection without contract E&O.
Starting from
starting annual premium for eligible creators under $50k revenue
Starting from $850/yr at $50k+ revenue
Limit
$500K / $1M
Tier 2
Media + professional liability
The main SafeWord product for working creators and media businesses.
Starting from
starting annual premium for eligible creators under $50k revenue
Starting from $1,000/yr at $50k+ revenue
Limit
$1M / $2M
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 can also be selected separately, with the chosen option shown in the application and indication rather than presented as automatically included.
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.
Coverage guide
Coverage lines explained
Media Liability
Protection for claims tied to what you publish, say, stream, write, film, record, or distribute, including AI-generated media with no exclusion solely because generative AI was used.
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.
Is AI-generated media excluded?
No. The SafeWord media-liability form includes AI-generated and AI-assisted media and does not exclude content solely because generative AI was used. All other terms, exclusions, limits, rights requirements, and underwriting still apply.
Ready to build the underwriting file?