Seguro para Podcasters
You publish conversations to the internet permanently. Defamation, copyright, and privacy claims are one episode away.
Media Publisher
Content Liability
Digital Business
Why podcasters need coverage
Every episode you publish is a permanent public record. A guest who claims you misrepresented them, a copyright holder who finds their music in your intro, a subject who claims defamation — podcasting creates media liability exposure that grows with every download.
Most podcasters don't think of themselves as publishers, but legally that's exactly what you are. The same laws that apply to newspapers and TV stations apply to your RSS feed. Media liability insurance exists specifically for this.
Prioridades de Cobertura
Media Liability
CRÍTICO
Covers defamation, copyright infringement, invasion of privacy, and misrepresentation claims arising from published content. The core policy for any publisher.
Estimado: $500–$1,500/year
Health Insurance
CRÍTICO
No employer plan. The foundation of any independent professional's coverage.
Estimado: Marketplace plans from $150–$500/month
Equipment Insurance
ALTA PRIORIDAD
Microphones, interfaces, mixers, computers, acoustic treatment. Studio gear adds up fast.
Estimado: $150–$400/year
Disability / Income Protection
ALTA PRIORIDAD
Voice strain, hearing damage, or any condition that prevents recording. Your voice IS your product.
Estimado: 1–3% of annual income
Life Insurance
RECOMENDADO
Podcast income is growing but volatile. Life insurance provides stability for dependents.
Estimado: $25–$40/month for $500K term
Real risks podcasters face
Publishing is powerful. It's also legally exposing.
Guest claims defamation
You discuss a public figure or company critically. They claim your statements were false and damaging. Media liability covers legal defense and potential settlement — which can exceed $50,000 even for frivolous claims.
Copyright claim on music or clips
Using a song, sound effect, or news clip without proper licensing. A takedown notice becomes a demand letter. Media liability covers copyright defense.
Sponsor dispute over ad reads
A sponsor claims your ad read misrepresented their product or didn't meet contractual terms. Professional liability covers the claim.
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Preguntas Frecuentes
Do podcasters need insurance?
If you monetize your podcast — through ads, sponsorships, Patreon, or affiliate links — you're running a media business. Media liability insurance covers the publishing risks (defamation, copyright, privacy). It's the podcaster's equivalent of a newspaper's libel insurance.
What is media liability insurance?
Media liability covers legal claims arising from your published content. For podcasters, this includes defamation (saying something false about a person or company), copyright infringement (using music or clips without licensing), invasion of privacy, and misrepresentation. It covers legal defense costs and settlements.
How much does podcast insurance cost?
Media liability alone runs $500–$1,500/year depending on audience size and content type. True-crime and investigative podcasts pay more. Interview and entertainment podcasts pay less. Combined with health insurance, a basic package runs $3,000–$8,000/year.
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