Blogging Business Insurance
Getting insurance for your blogging business is essential.
Blogging businesses need to be protected against things like claims of copyright infringement, defamation, and invasion of privacy.
For example, an article on your blog contains defamatory statements regarding another person, or your blog’s new logo infringes on an already-trademarked design.
We’ll help you find the most personalized and affordable coverage for your unique business.
Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.
Best Insurance for a Blogging Business
General liability insurance is — generally speaking — one of the most important insurance policies for blogging businesses.
Some of the risks general liability insurance covers are:
- Bodily injury
- Property damage
- Medical payments
- Legal defense and judgment
- Personal and advertising injury
Alongside general liability, some other useful insurance policies for your blogging business include:
- Professional liability insurance if your blog makes any libelous statements or experiences breaches of contract
- Commercial property insurance for damage to any equipment (e.g., computers) or office space
- Workers’ compensation insurance if you hire other writers or developers as employees
- Commercial umbrella insurance to extend the coverage of your other policies
The insurance providers you can purchase coverage for your blogging business from are generally classified into two key groups.
- Traditional brick-and-mortar insurers are those with physical locations and agents (think Progressive or The Hartford)
- Online insurers are purely online and use AI technology for their quotes (think Next or Tivly)
We advise small and new businesses to look into online insurers to acquire their coverage. This is because, due to their primarily digital business structures, they are able to offer far cheaper prices for insurance while using AI to match the quality of traditional providers.
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Cost of General Liability Insurance
On average, bloggers in America spend between $350 - $900 per year for $1 million in general liability coverage.
Compare the average cost of general liability insurance for a blogging business to other professional industries using the graph below.
Several factors will determine the price of your policy. These include your:
- Location
- Deductible
- Number of employees
- Per-occurrence limit
- General aggregate limit
You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.
A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.
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Common Situations That General Liability Insurance May Cover for a Blogging Business
Example 1: While visiting the home of someone you want to interview for your blog, you stumble over her cat, fall into a large television, and smash it along with other nearby equipment. General liability insurance would cover the cost of repairing the interviewee’s damaged property.
Example 2: A competitor claims your latest marketing efforts libeled his business. While you disagree with the claim, you want to hire an attorney immediately. General liability insurance would cover your legal defense costs.
Example 3: Another blogger accuses you of plagiarizing his work and plans to take legal action against you. General liability insurance will pay for your legal fees and any required settlement.
Other Types of Coverage Blogging Businesses Need
While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:
Professional Liability Insurance
While you strive to ensure your blog provides accurate information and helpful advice, there’s always a chance someone might decide your professional work caused them harm. In the event of a lawsuit claiming negligence due to your mistakes, professional liability insurance would cover your legal fees and any required settlement.
Commercial Property Insurance
You made a major investment in the hardware, software, and other equipment needed to run your blogging business. If you own the building in which you operate, commercial property insurance would cover the cost of repairing or replacing your business-related property in the event of a fire, theft, or natural disaster. This includes structural damage to your building as well as the business equipment you store there.
Workers’ Compensation Insurance
If you have any employees, most states will require you to carry workers’ compensation insurance for both part-time and full-time workers. This coverage protects your employees if they become injured at work or fall ill after a work-related accident. It not only covers an employee’s medical bills and lost wages if they need time to recover but also any disability or death benefits stemming from a work-related accident.
Commercial Umbrella Insurance
While your general liability insurance policy covers most claims, some accidents or lawsuits may be so catastrophic that they threaten to exhaust the limits of your primary coverage. Commercial umbrella insurance protects you from paying out-of-pocket for any legal fees and awarded damages that exceed your primary policy.
Additional Steps To Protect Your Business
Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.
Here are several things you can do to better protect your blogging business:
- Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
- Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
- Stay up to date with business licensing.
- Maintain your corporate veil.
Blogging Business Insurance FAQ
Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.
A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.
"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.
In order to remain financially protected from the array of risks it will face, your blogging business requires sufficient business insurance.
Furthermore, it is also very common for businesses to be required by law to own specific insurance policies (e.g., workers’ compensation and commercial auto).
Not necessarily. Certain exceptions may be written directly into your blogging business insurance policy, and some perils may be entirely uninsurable.
Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.
An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.