When influencers ply their trade on social media platforms such as Instagram, TikTok and X, it opens them up to potential liability on several fronts. First, their opinions could lead to defamation claims or advertising injury from reputational and financial harm to a business. Then there are risks from cyber attacks, including loss of sponsorships, brand deals or other opportunities. Influencers can also draw fines for not adhering to regulatory guidelines. 

MSI has developed specialized coverage to address these situations and more, providing up to $5 million limits for: 

• advertising exposures, such as a breach-of-contract claim from an ad agency or brand; 

• publishing exposures, including defamation, copyright infringement, confidentiality breach, or even bodily injury arising from content, such as promoting health foods; and  

• regulatory exposures, such as failure to disclose an endorsement.  

MSI also offers a targeted hack coverage extension if the influencer’s social channels are locked, deleted or suspended. 

MSI delivers exceptional service throughout the policy lifecycle, from expert underwriters who can quickly tailor coverage for influencers’ unique needs and social media footprint to experienced claims professionals who can provide the right resources to help resolve claims or litigation as soon as possible. 

Let MSI show you how our unique social media liability coverage can help keep influencers online and engaging with their followers and partners.