Professional indemnity
Covers financial loss and warning letters under copyright, trade mark, personality and unfair competition law, which are the typical creator claims.
Insurance broker / Business types / IT, media and creative
Insurance for influencers, creators and bloggers in Germany
A reel with someone else's music, a brand deal without an ad label, a hacked account with 200,000 followers. For creators these are not rare accidents but everyday risks, and they land on you personally. This page shows which cover fits and what it costs.
The question almost everyone asks first
Will insurance pay if I get a warning letter for hidden advertising?
If your professional indemnity includes unfair competition law, the insurer checks the warning letter, pushes back on excessive demands and pays justified claims. Not covered are contractual penalties from a cease and desist declaration you have already signed, and deliberate breaches. So do not sign anything before you have reported the case.
What goes wrong in this trade
- 01
Music and images
A song in the background, a photo from a search engine, a clip from a series: rights holders and agencies find infringements automatically.
- 02
Ad labelling
If you show, link to or were given a product, German law says you must label it as advertising. Associations and competitors send warning letters over missing labels all the time.
- 03
Mistakes in brand deals
A wrong discount code, an old price, a remark that harms the brand: the partner wants compensation.
- 04
Hacked account
Hijacked profiles are used for scams, and reach and income collapse. Getting the account back costs time and money.
- 05
Shoots and events
Filming in a café, at events or while travelling can cause injury and property damage that you are liable for.
- 06
Kit on the move
Camera, laptop, gimbal and drone travel with you constantly and get stolen, dropped or soaked.
Compared with other trades, 1 low to 5 high.
The insurance you need
Essential
Strongly advised
Cyber insurance
Pays for IT forensics, account recovery and crisis communication after a hack.
Business liability
Covers injury and property damage at shoots, events and on location for brand partners.
Electronic equipment
Replaces camera, smartphone, laptop and lighting after breakage, theft and water damage, including while travelling.
Depends on the business
Drone insurance
If you film with a drone you need commercial drone liability insurance; German law requires it.
Business legal expenses
Legal expenses for disputes with agencies and brand partners over fees and contracts.
Occupational disability
Without your face, voice and health there is no content, and the self employed have no state cover for this in Germany.
What it costs: example prices
Creator policies are cheap while turnover is modest. They cost more with high brand deal income, your own team and topics such as money, health or product testing.
| Insurance | Example | Typical range |
|---|---|---|
| Professional indemnity | Creator starting out, financial loss and rights infringements | about €135 to €300 a year |
| Professional indemnity | Creator with €100,000 brand deal turnover, including public liability | about €350 to €800 a year |
| Electronic equipment | Camera, laptop and lighting worth €5,000, worldwide | about €150 a year including tax |
| Cyber insurance | Solo creator with social media accounts and a web shop | about €200 to €500 a year |
For comparison: Professional indemnity for creators costs about as much a year as a single small product deal brings in.
Guide prices excluding German insurance premium tax unless stated otherwise, as of September 2026, from publicly quoted tariffs and our own quoting work. We obtain the exact quote for you.
Our suggestions: three packages
01
Starter
For: Creators building up or doing it on the side
- Professional indemnity
Together about €135 to €300 a year
Request this package02
Creator
For: Full time creators with brand deals and their own kit
- Professional indemnity
- Business liability
- Cyber insurance
- Electronic equipment
Together about €600 to €1,400 a year
Request this package03
Team
For: Creators with a team, studio, drone and own shop
- Professional indemnity
- Business liability
- Cyber insurance
- Electronic equipment
- Drone insurance
- Business legal expenses
Together about €1,500 to €3,500 a year
Request this packageThe worst day as a creator
Six things that really happen to creators, all on one Sunday. Tap through and see who pays.
Damage so far€36,300
-
The account was taken over overnight and strangers are using it to promote a fraudulent crypto site.
-
A picture agency sends a warning letter over a photo in an old story highlight.
-
Filming in a café, your tripod knocks into a waitress carrying a full tray. She scalds her arm.
-
A trade association sends a warning letter: three posts with discount codes were not labelled as advertising.
-
The camera falls into the water at the harbour.
-
A brand demands compensation because the video quoted an out of date price and customers complained.
Which package would you have had?
Illustrative amounts before any excess. Whether and how much is paid depends on the policy terms.
Practical tips from your broker
- Make sure unfair competition law, and with it warning letters over ad labelling, is expressly included.
- Do not sign a cease and desist declaration before the insurer knows about the case; later contractual penalties are not covered.
- Ask whether the cyber policy covers social media accounts and lost income after a hack.
- Insure your kit worldwide, including in checked flight baggage and in hire cars.
- If a brand contract asks you to accept more liability than the law requires, show that clause to the insurer first.
- For topics such as money, law and health you need a higher limit for your followers' financial losses.
Why NAMMERT for your business
We know the gaps in creator policies
Ad labelling, account loss, US brand deals: this is where tariffs differ. As a broker we compare several insurers for you.
We know how claims are handled
In boat insurance we handle claims ourselves. We tell you what to do after a warning letter and what to avoid.
Everything in one place
Creator liability, kit, car and your personal provision all run through us, without a hotline.
Family run since 1989
Free for you; the insurer pays our commission. You write or call and speak to people who know your policy.
Questions and answers
Frequently asked
Which insurance do I need as an influencer?
First, professional indemnity that covers financial loss and rights infringements. Cyber insurance and equipment insurance also make sense.
What does influencer insurance cost?
Entry level cover is about €135 to €300 a year. With brand deal income, public liability and equipment it is usually €600 to €1,400.
Is a hacked Instagram account insured?
Yes, through cyber insurance that expressly includes social media accounts. It pays specialists for recovery and crisis communication.
Am I covered by a Berufsgenossenschaft as a creator?
Not automatically if you are solo self employed. You can join this statutory accident insurer voluntarily; once you have employees membership is compulsory.
Does my personal liability insurance cover my creator work?
No. As soon as you earn money from it, it counts as business activity, and personal liability insurance will not pay.
Do I need separate insurance for drone videos?
Yes. Every drone must have owner's liability insurance, and a commercial policy once you earn money with it.
NAMMERT insurance broker
Request quotes for Influencer
The recommended covers are already ticked. Change what does not fit; we obtain quotes and come back with a comparison. You can write in English.
Thank you, we have your request.
We will be in touch within one working day. If it is urgent: +49 3375 29 12 77.
Related trades
Is my camera covered by my home contents or business contents insurance?
Will insurance pay if we receive a cease and desist letter over an image?
Am I liable as a retailer if a product from China injures someone?
Official classification
This page covers the following classes of the German WZ 2025 (identical to NACE at four digits):
- 60.39 Sonstige Verbreitung von Medieninhalten
Source: Federal Statistical Office of Germany (Destatis), WZ 2025. All business types
Boat or yacht? Here we are not the broker but the underwriting agency, with our own policies and our own claims handling.
Boat insuranceNAMMERT Assekuradeur GmbH, insurance broker licensed under section 34d(1) of the German Trade Regulation Act, broker register no. D-C08Q-TOSD4-37. For boat and yacht insurance we act as underwriting agency, not as broker. Statutory disclosure (German) · Updated