BLOGGERS' & VLOGGERS' LIABILITY

PMP: Specialist Insurance for bloggers and vloggers

Personal Media Protection Insurance (PMP) provides financial protection if someone brings a case against you in any geographical/court jurisdiction worldwide.

As a blogger, vlogger or online publisher, the risks you're exposed to are global. Specialist cover is essential.

What if...

• Are you talking about products or celebrities? What if you get your facts wrong, offend someone or just say the wrong thing?
• Are you posting images? Do you have the right permissions and licenses? What if you use last season’s product image? Aerial shots from drones require particular permissions.
• Are you publishing someone else’s review? Who owns the copyright – you or the author?
• Are you promoting a product? Have you declared your interest to your readers?
• How safe is the data of your subscribers – and how good is your Privacy Policy?

Everything you do and say on social media could affect the reputation you’re building, and if you inadvertently defamed someone or breached someone’s intellectual property, you could have a costly lawsuit on your hands.

Personal Media Profile Insurance (PMP) is an affordable insurance policy that will help you if you get into these sorts of difficulties. It’s an essential piece of armor for anyone who could be sued for making a mistake.

What's Covered?

PMP insurance will pay for your legal costs in fighting the allegation, as well as any damages you are liable for and payments made towards claims resolution. It covers:

• Negligent mis-statement & defamation – accidental or on-purpose comments
• Infringement of intellectual property rights: using images, ideas, performances, logos, written work that belongs to others
• Breach of license – for example, licenses for using someone’s trademark and/or copyrighted material
• Plagiarism - ripping off someone’s creative idea
• Breach of confidentiality or invasion of privacy: sharing secrets
• Failure to give credit or correct attribution of authorship: not giving credit where it’s due
• Negligent transmission of a computer virus
• Negligence
• Civil liability – a broad coverage, where if it's not excluded, it’s covered
• Crisis containment costs: e.g. your PR agency bill

How will it protect me?

PMP insurance helps with:

• Indemnification and defense costs: legal expenses cover to defend your cause in a dispute
• Payments towards compensation costs
• Payments towards claims against your employees or someone else noted on your policy

Case Study: Watchdog Tells Vloggers to Stop Hiding Product Placement

Vloggers were criticised by regulators for not revealing that they were paid to promote commercial product. They were paid to praise Oreo biscuits, but did not label the promotions as advertising. The regulator warned all vloggers that they will be in breach of advertising regulations if they mislead audiences by blurring the lines between commercial and editorial content.

Don’t leave it to chance – your reputation is your livelihood. Talk to us about Bloggers' Liability and make sure you’re safe online. We can also help you review your contractual obligations to see where your risks lie.