Legal cover when disputes hit
- Contract & brand-deal disputes
- Tax & VAT enquiries with HMRC
- Debt recovery on unpaid invoices
- Crisis communications & PR
Insurance for content creators.
One bad day shouldn't cost you everything.
35k
UK reports of social media and email account hacking in 2024, the most-reported cybercrime
source | Action Fraud, 2025
78k
UK account takeovers reported in 2025, mostly on mobile, retail and card accounts
source | Cifas, 2026
152k
Thefts from the person in England and Wales in 2024, the highest since comparable records began in 2003
source | ONS, 2025
Creator cover in the real world
A few everyday situations where the cover steps in, and what they'd cost if it didn't.
The stolen camera bag
Your gear bag is taken from a location shoot the morning of a deadline. Replacing a full rig can run to thousands you hadn't budgeted for. All Risks covers the replacement so you can keep filming.
The hacked account
An attacker locks you out of your channel and your follower data is exposed. That can mean weeks of lost income and a scramble to win the account back. Cyber cover funds the recovery, the notification and the response.
The injured extra
Someone trips over a cable at your shoot and is hurt. A claim like that can reach tens of thousands once legal costs are in. Public Liability handles the compensation and the legal costs.
We've spent a decade inside the creator economy
Having founded a leading luxury talent agency, we saw the risks creators face first hand. Gear stolen on a shoot, a brand deal that turned into a liability claim, an account hacked the week of a launch. Creators run real businesses, carrying thousands in gear, holding an audience's data and taking on liability with every deal. The insurance on offer was never built for any of it, so we built cover that fits the way creators actually work.
Get covered in three steps
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
The policies that matter most
The core modules creators tend to need. Tap through for what each one does.
Get instant insurance- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- All RisksBroader cover for accidental loss or damage to business assets — including the kit you take off-site.
- CyberA data breach, ransomware or account takeover — incident response, recovery and liability.
- Professional IndemnityClaims that your advice, designs or work caused a client financial loss.Coming Soon
Professional Indemnity is launching soon and cannot be bought yet. It answers claims that content you made or advice you gave cost a client money. Every other cover here you can buy today.
More than a policy
We know a contract row or a brand dispute always seems to land mid-launch. Add Legal Expenses and you get legal cover plus a team of experts on the phone, so a bad day doesn't have to derail your output.
Experts on the phone
- 24/7 legal advice line
- Tax & VAT advice, weekday hours
- Confidential counselling, 24/7
Creators we cover.
Creators and the businesses built around them. If yours isn't here, search for it when you start a quote.
YouTubers
Channels earning from ads, memberships and brand deals.
TikTok creators and influencers
Short-form creators and influencers working with brands.
Streamers
Live streaming on Twitch, YouTube and Kick.
Podcasters
Shows recorded, edited and sponsored, at home or in a studio.
Photographers and videographers
Commercial, event and content shoots, on location or in the studio.
Talent management agencies
Managing creators and talent, their bookings, deals and careers.
Influencer marketing agencies
Matching brands with creators and running influencer campaigns.
TikTok and social media agencies
Running brands' TikTok, Instagram and YouTube channels and content.
Brand partnership agencies
Negotiating sponsorships and brand deals for creators.
Instant business cover built for how you work.
No matter where you are in your journey, we've got you covered.
Starter
Freelancers and solo founders
Just you and your content. Public liability for shoots and the people on them, cyber cover for your channel and legal expenses for the contracts, so an injury claim or a hack can't knock you offline.
Policies included in this package:
Builder
Growing teams with staff
Bringing on editors, VAs or collaborators? Adds employers' liability for your team, the one cover this tier adds.
Policies included in this package:
Scaler
Established teams with premises
For studios, merch lines and high-value gear. Full liability, property and cyber cover for a creator business at scale.
Policies included in this package:
Know what you need? Go tailored.
Mix covers and limits to fit exactly how your business runs.
Backed by
The insurers and partners behind your cover.
Questions, answered
Most combine Public Liability, All Risks for gear and Cyber, with Legal Expenses for contract disputes. Add Employers' Liability once you have a team. Professional Indemnity is launching soon. The right mix depends on your work and clients.
Yes. All Risks is built for gear that travels, covering loss, theft and accidental damage on set, on location and on the road. You choose the territory for each item you list, and theft from a vehicle has conditions attached, so it is worth reading them before you leave a bag in the car.
Often yes. Brand partners and agencies frequently ask for Public Liability, and contracts can request Professional Indemnity. We'll flag what your agreements need during your quote.
Often we can still help. Sectors outside the instant-quote appetite are routed to a specialist who can write the cover on referral. caremate™ handles the hand-off.
For the segments shown here, you can get a quote and bind cover in minutes, with no back-and-forth.
No setup fee, and no surprises. Your price is four lines and you see all four before you pay: annual premium, Insurance Premium Tax, the broker's policy fee and a payment processing charge. And if you ever need to claim, we get it straight to the specialist team appointed to handle it, and they take it from there.
Cover your channel in minutes.
Answer a few questions, see your price and buy online. Your gear, your liability and your channel, in one policy.