Podcaster Insurance
Flexible insurance for podcasters and podcast production businesses – including hosts, editors, producers and
studio-based creatives.
Build the cover you need, protect your content, and stay on air with confidence.
Podcaster Insurance
Flexible insurance for podcasters and podcast production businesses, including hosts, editors, producers and
studio-based creatives.
Build the cover you need, protect your content, and stay on air with confidence.
Tailored insurance cover designed for podcasters
Whether you're interviewing guests from your home studio or running a full-scale podcast production business, the world of podcasting is full of opportunities and risks.
From accidental defamation to damage to essential audio gear, Podcaster Insurance offers the cover you need to keep your production running smoothly.
Discover the three core types of cover available to podcasters:
Public Liability Insurance
What it covers
Protection against third-party injury or property damage claims that
happen during your podcasting work such as when using a rented studio or hosting live shows.
Why Podcasters might need it
Many podcast venues and co-working studios require Public Liability cover before you use their space. If a guest trips over your cables or you accidentally damage a studio's equipment, this insurance helps you handle the resulting costs and claims.
Professional Indemnity Insurance
What it covers
Legal costs and claims relating to your podcast content including defamation, copyright infringement, or giving advice that causes loss.
Why Podcasters might need it
From interviews and opinion-led discussions to branded content and creative storytelling, podcasting relies on your voice and judgement. But what happens if a guest, listener or business claims something you said was false, damaging or copied? Professional
Indemnity Insurance helps protect you against legal claims, covering defence costs and potential compensation.
Equipment Insurance
What it covers
Cover for essential podcasting gear such as microphones, mixers, laptops, headphones, lighting kits and more – in case of accidental damage, loss or theft.
Why Podcasters might need it
Your equipment is your studio. If your recorder breaks the day before a client project or your microphone is stolen on the train, the disruption can be costly. Equipment Insurance ensures you can
replace or repair your gear and keep your schedule on track.
Why Choose Mode Insurance?
At Mode Insurance we understand the unique challenges and pressures of your profession.
Our tailored policies mean that every aspect of your work, from setup to execution, can be covered.
With Mode Insurance, you're not just getting insurance - you're gaining a partner who understands the nuances and specific challenges of your profession.
Who Needs Podcaster Insurance?
Our policies are designed for:
- Independent podcast hosts
- Podcast production companies
- Freelance editors or producers
- Interview and news-based podcasters
- Branded podcast creators
- Comedy, fiction or documentary shows
- Creators recording in studios or at live events
Insurance to Suit Your Work
Public Liability cover available
Up to £50k Equipment Insurance
Professional Indemnity up to £250,000
EU or worldwide cover available for your equipment
Short-term or annual cover to match your production cycles
Choose your cover and start your quote now
Public Liability insurance from £84 a year for £1m cover
Or choose your own cover limit of £2m, £3m or £5m.
Up to £50k all-risk technical and portable equipment cover
Covered in the UK & EU as standard or increase cover to worldwide.
Professional Indemnity - be covered for contract disputes
Protect your reputation with Professional Indemnity insurance with either a £100,000 or £250,000 limit.
Up to £50k cover for equipment that doesn’t leave your property
Protect the contents of your business and other technical equipment that doesn’t leave your property.
Employers’ Liability cover for up to 3 PAYE employees
Our Employers’ Liability cover provides £10,000,000 of cover.
Podcasters Insurance FAQs
Below we have listed the most common questions we get from our customers about insurance for Podcasters.
Why should I get a quote from Mode Insurance?
Our cover is flexible and affordable, ideal for both one-off projects and full-time production work. We specialise in creative professions, and our policies reflect the risks podcasters face.
Do I need all three types of insurance?
That depends on your setup. If you're running a solo podcast from home, Equipment and Professional Indemnity might be enough. If you use studios or have guests on-site, Public Liability is also important.
Can I get cover for short-term podcast projects?
Yes, Mode Insurance offers both short-term and annual options, so you're covered whether you're producing a one-off branded show or a weekly series.
Will Equipment Insurance cover me on location?
Yes, our equipment cover includes UK and EU use as standard, with the option to extend it to worldwide if needed.
What happens if someone sues me for something I say on the podcast?
Our Professional Indemnity Insurance provides financial and legal protection if you face defamation or copyright claims, whether it’s something you said or something a guest said on your show.
How much does Professional Indemnity insurance cost?
The cost of Professional Indemnity insurance varies based on factors like your profession, the level of risk and the amount of coverage needed.
How much Professional Indemnity insurance do I need?
The amount of cover required depends on your business size, the clients you work with, the types of contracts you work under and the potential risks involved in your services. It's a good idea to assess the maximum claim you could face and choose a limit that can comfortably cover this.
With Mode Insurance you can choose a Professional Indemnity insurance cover limit of either £100,000 or £250,000, depending on your needs and requirements.
Do I need Employers’ Liability insurance?
If you employ anyone, even on a casual or part-time basis, the law typically requires you to have Employers' Liability insurance. This means that you have at least the minimum cover if an employed person makes a claim against you.
What does Employers’ Liability insurance cover?
Employers’ liability insurance can provide cover for:
- Compensation if an employee claims for injury or illness caused while working for you.
- Fees for your legal representation at any coroner’s inquest of fatal accident inquiry and proceedings in any court of summary jurisdiction arising out of any alleged breach of statutory duty.
- The claimants’ legal costs for which you are legally liable.
