Cover that takes your image seriously.
Reputation is everything. We understand the risks you might face as an influencer or public figure. Using your platform to influence your audience can leave you exposed to defamation and breach of intellectual property claims, which could relate to anything from a heated Twitter exchange to something you said at a public appearance to unwittingly sharing a song or picture you’re not permitted to use.
Our dedicated cover can protect you against copyright infringement, libel, slander and malicious falsehood in these situations. And, in case of a claim, we’ll also look to cover your legal defence costs and damages.
As the world has become increasingly connected through digital media, anyone’sanyone’s words can now spread around the globe in a matter of moments. Because of this, it is more important than ever to be mindful and respectful when posting on social media. This is even more true if you are representing a company or organisation, as you could face legal consequences for posts that are seen as offensive or inappropriate. That being said, with the proper precautions–such as avoiding hasty responses and double-checking content before posting–it is possible to minimise the chance of being sued over your social media activity. Understanding your rights and liabilities when using such platforms can go a long way in reducing any potential legal repercussions.
Standard policy cover includes:
- Intellectual property infringement
- Breach of confidentiality
- Breach of licence
- Violation of advertising statutes and codes (when brought by your client)
- Full civil liability
Extra benefits of choosing Hiscox Influencer and Public Figure Protection
- Clear and broad breach of contract cover for promotions, endorsements and sponsorships
- Claims arising from unauthorised access to your social media
- Automatic cover for claims against clients (agency/brands) and their end clients (brands)
- Subject to the Consumer Insurance (Disclosure and Representations) Act 2012 or Insurance Act 2015 (where relevant) to give the most appropriate cover possible for individuals or their commercial endeavours
- Option to work with client’s lawyers with our prior written consent
- Optional enhancement to add up to £50,000 of defence costs to defend regulatory investigations into ad disclosure practices.
Don’tDon’t let your clients make the headlines for the wrong reasons.
In many of the following claims scenarios, the defence costs and indemnity payments could be enough to significantly impact the individuals’ financial well-being – causing them to drain their savings, sell their family home, or at worst – file for bankruptcy. Influencer and Public Figure Protection can help provide your client’s security and peace of mind that their financial stability is not compromised should the worst happen.
A social influencer needs to remember to include #ad on sponsored posts.
This causes the Advertising Standards Authority to investigate and issue an adverse ruling against the brand. The brand uses the influencer for breach of contract after suffering reputational damage. The influencer opts to settle this claim with the support of our in-house counsel, and the policy pays the settlement amount.
An actress posts a childhood photo to her Instagram account, where 750,000 followers see it.
The photographer who took the photo alleges he did not permit to have his photograph shared and brings a copyright infringement claim against the actress. This policy covers the costs to defend the copyright infringement allegation and the payments to settle or the court-awarded damages.
A cricketer remarks during a post-match interview that their poor performance during the season is due to the quality of their bat.
The bat company terminates their endorsement deal and brings a breach of contract claim relating to the promotion quality. Our in-house claims team works closely with the cricketer’scricketer’s counsel to defend the breach of contract allegation, while the policy funds the defence counsel’scounsel’s fees.