# 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.

Quelle/Source: https://www.nammert.com/en/business-insurance-influencer.php  
Updated: 2026-09-18

## 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.

## At a glance

- **Compulsory:** No general legal requirement; for drone footage, owner's liability insurance is mandatory in Germany
- **Biggest risk:** Warning letters over image, music and trade mark rights and missing ad labels
- **Basic cover from:** about €135 a year for professional indemnity for creators
- **Statutory accident insurer:** solo self employed creators are not automatically covered by a Berufsgenossenschaft (statutory accident insurer) and usually join the VBG voluntarily; with employees membership is compulsory
- **Often forgotten:** The account itself: only cyber insurance pays for recovery and crisis communication after a hack
- **WZ 2025 / NACE:** 60.39 Sonstige Verbreitung von Medieninhalten

## What goes wrong in this trade

- **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.
- **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.
- **Mistakes in brand deals:** A wrong discount code, an old price, a remark that harms the brand: the partner wants compensation.
- **Hacked account:** Hijacked profiles are used for scams, and reach and income collapse. Getting the account back costs time and money.
- **Shoots and events:** Filming in a café, at events or while travelling can cause injury and property damage that you are liable for.
- **Kit on the move:** Camera, laptop, gimbal and drone travel with you constantly and get stolen, dropped or soaked.

**Risk radar** (Compared with other trades, 1 low to 5 high.): Liability 4, Fire and water 2, Theft 3, Cyber 5, Downtime 3, Health 2

## The insurance you need

- **Professional indemnity** (Essential): Covers financial loss and warning letters under copyright, trade mark, personality and unfair competition law, which are the typical creator claims. https://www.nammert.com/en/insurance-broker-professional-indemnity.php
- **Cyber insurance** (Strongly advised): Pays for IT forensics, account recovery and crisis communication after a hack. https://www.nammert.com/en/insurance-broker-cyber-insurance.php
- **Business liability** (Strongly advised): Covers injury and property damage at shoots, events and on location for brand partners. https://www.nammert.com/en/insurance-broker-business-liability.php
- **Electronic equipment** (Strongly advised): Replaces camera, smartphone, laptop and lighting after breakage, theft and water damage, including while travelling. https://www.nammert.com/en/insurance-broker-electronic-equipment.php
- **Drone insurance** (Depends on the business): If you film with a drone you need commercial drone liability insurance; German law requires it. https://www.nammert.com/en/insurance-broker-drone-insurance.php
- **Business legal expenses** (Depends on the business): Legal expenses for disputes with agencies and brand partners over fees and contracts. https://www.nammert.com/en/insurance-broker-business-legal-expenses.php
- **Occupational disability** (Depends on the business): Without your face, voice and health there is no content, and the self employed have no state cover for this in Germany. https://www.nammert.com/en/insurance-broker-occupational-disability.php

## 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._

- [Hiscox: Influencer-Versicherung](https://www.hiscox.de/geschaeftskunden/blogger-versicherung/)
- [Allianz: Versicherung für Blogger und Influencer](https://www.allianz.de/business/blogger-influencer-versicherung/)
- [fotoversicherung.com: Beitragssätze Kamera und Technik](https://www.fotoversicherung.com/)

## Our suggestions: three packages

- **Starter** (Creators building up or doing it on the side): Professional indemnity. Together: about €135 to €300 a year
- **Creator** (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
- **Team** (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

## The worst day as a creator

Six things that really happen to creators, all on one Sunday. Tap through and see who pays.

- 08:10: The account was taken over overnight and strangers are using it to promote a fraudulent crypto site. (€12,000, Paid by: Cyber insurance)
- 10:45: A picture agency sends a warning letter over a photo in an old story highlight. (€3,500, Paid by: Professional indemnity)
- 13:20: Filming in a café, your tripod knocks into a waitress carrying a full tray. She scalds her arm. (€4,000, Paid by: Business liability)
- 15:00: A trade association sends a warning letter: three posts with discount codes were not labelled as advertising. (€6,000, Paid by: Professional indemnity)
- 17:30: The camera falls into the water at the harbour. (€2,800, Paid by: Electronic equipment)
- 21:00: A brand demands compensation because the video quoted an out of date price and customers complained. (€8,000, Paid by: Professional indemnity)

**Damage so far:** €36,300

## 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.

## FAQ

### 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.

## Request quotes

We obtain quotes and come back with a comparison. Free of charge and without obligation: the insurer pays our commission. You can write in English. https://www.nammert.com/en/business-insurance-influencer.php#anfrage

---

NAMMERT 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.

NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, +49 3375 29 12 77, info@nammert.com. Wikidata: Q141141479.