What insurance does a blogger need?
There's no one-size answer. The right mix depends on how you work, who you work for, and what your contracts ask for. These are the coverages a blogger typically looks at first:
Professional liability
Covers claims that your content, a sponsored post, or a recommendation caused a brand or reader financial harm, with limits up to $1,000,000 per claim typically available.
General liability
Personal and advertising injury coverage is designed to respond to defamation or advertising-idea claims tied to what you publish, alongside the standard third-party injury and property protection.
Cyber liability
If a reader email list, login credentials, or affiliate accounts live in your systems, this addresses response costs if that data is exposed.
Coverage always depends on your specific situation. The fastest way to see what fits is to get a quote and review your options.
What does it protect against?
The risks that matter aren't abstract. They're the everyday accidents of the work. A few scenarios that turn into real claims:
A brand disputes a sponsored post
A sponsor pays for a campaign, and the post goes up late, or with content the contract says it should not include. The brand asks for its fee back and alleges the miss cost them the launch window. That is a professional liability claim over a paid content deliverable.
A competitor says a post defamed them
A comparison post calls out a competing brand by name, and that brand claims the post is false and damaging. Personal and advertising injury coverage under general liability is designed to help fund the legal defense, even when the claim is baseless.
A recommendation goes wrong for a reader
A reader follows a product or service recommendation from your blog, it doesn't work out, and they blame the endorsement for the money they lost. Claims that your content, not an accident, caused someone a financial loss fall under professional liability.
Your email list or affiliate account is breached
A phished login exposes your subscriber list, or an affiliate dashboard tied to bank details gets compromised. Cyber liability is built for the notification costs, legal fees, and third-party claims that follow a breach like this.
Certificates of insurance
For bloggers, the certificate of insurance request usually comes from a brand partner's legal or procurement team before a paid campaign starts: many now ask for proof of general liability, sometimes professional liability too, especially for larger sponsorship deals. Olli's general liability policies include instant certificates, so a signed brand deal doesn't stall on paperwork.
New to certificates? Start with our guide to the certificate of insurance: what's on one, who asks for it, and how to provide yours.