Creators often work in ways that put them in contact with the public, even if it’s not obvious at first. Filming on location, going to events, hosting activities, inviting guests to a studio, working with contractors, and selling branded products can all create situations where someone could get hurt or their property could be damaged. If that happens, the creator or business could be held legally responsible.

Public & Products Liability Insurance is designed to protect against such claims. Public liability relates to incidents arising from your activities. That might involve someone tripping over equipment during a shoot, damage to a venue while filming, or an accident at an event or activation connected to your brand.

Products liability applies when you sell goods and a product is alleged to have caused injury, illness or damage. For creators with merchandise lines, that second element can be particularly important.

This insurance is helpful because it covers both legal costs and compensation. Even small incidents can lead to formal claims that need legal advice right away. If a customer says your product caused harm, or a venue claims your team caused damage, things can get expensive fast. Insurance gives you financial support so your business doesn’t have to handle all the costs alone.

This type of protection is increasingly relevant in the creator economy because many influencers now operate beyond digital content alone. They appear in public, host experiences, collaborate with brands in physical spaces and sell products directly to their audience. Those activities can be commercially valuable, but they also create legal duties that need to be managed properly.

Having liability insurance is also a sign of professionalism. Venues, partners, and clients may want to see proof of insurance before you start work. It shows that your business understands real-world risks and is taking steps to handle them responsibly.

At base Insurance, we help creators protect themselves as real-world businesses, not just as publishers. Public and products liability insurance covers claims arising from your work, events, or merchandise that affect others.