By now I am sure you have heard about the recent verdict against a blogger that was filed by Cardi B. While everyone can perhaps become a blogger, it is best to determine what risk you could be facing. A federal jury in Atlanta awarded Cardi B $1 million in general damages for pain and suffering and/or reputational injury and $250,000 in medical expenses. Now more than ever, Bloggers are on notice that the risk they face are real in the United States as this sets a serious precedent in blogger sphere.
Living in the United States, where free speech is a right, bloggers might think that as long as you are writing about your own opinion, you are safe. Think again. You can face claims and lawsuits for libel, invasion of privacy, copyright issues, and more. Bloggers are no longer shielded by free speech, so it’s recommended you call your agent. Speak to them about
finding you the right insurance to protect you as a Blogger.
Ask About Liability Insurance for Bloggers
Liability insurance for bloggers is called Professional Liability Insurance, Errors and omission, and perhaps Media Liability insurance. If
you make errors in your business, Professional Liability insurance will be the coverage you need. It covers: Copyright Infringement, Libel, Slander,
missed deadlines and more.
As a Blogger, you may also inquire about General Liability Insurance. We know GL insurance as premises liability, but it also covers ‘Advertising
Injuries. This involves Copyright Infringement, Defamation and Libel /Slander. Guess what, the Cardi B lawsuit was probably covered under
Defamation. The Blogger in the Cardi B case wrote posts on her blog and youtube about Cardi B that was alleged to be rumors. She was sued for defaming Cardi B’s character and damaging her business. The federal jury found that the blogger was liable for this and awarded Cardi B a
substantial amount of money. As a blogger, you do not want to ever have to have your insurance carrier pay out such large amounts of money. It will cost you in the end.
It is highly recommended that bloggers contact their insurance agents, and obtain the right coverage. Depending on your annual revenue, how large your Blog is, and its reach, you may request an Umbrella Policy as well.