Account management · publication · client's premises
Liability insurance for a self-employed social media manager
You post under your client's name and hold the keys to his channels. The risks arising from that lie largely outside public and employers' liability insurance.
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- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Aansprakelijkheidsverzekering voor een zelfstandige socialmediamanager.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The AVB comes into play when you injure someone or damage someone else's property. In this field that happens while making content: a phone on a gimbal that falls onto a marble counter, a ring light that knocks against a shop window, a cable that a customer of your client trips over. How the cover is built up is set out on hub page on public and employers' liability.
Your core risk is a different one. A post that goes live too early and breaks an embargo, a reply to a complaint that turns out badly in legal terms, a campaign published without the required advertising disclosure: the result is financial loss at your client or at a third party. Such claims are pure financial loss and are excluded on the AVB; they belong on professional indemnity insurance.
As the manager you have access to business accounts, ad managers and sometimes the client inbox. If a channel is taken over through your login, the issue is restoration, communication and possibly lost advertising credit: that is the domain of cyber insurance for self-employed professionals. Put two-factor authentication on every connection and never work from shared passwords; insurers ask about that in a cyber application.
This page deals with one situation. The full overview is on Compare public and employers' liability insurance (AVB).
What to look out for
Four points that regularly go wrong in self-employed social media management.
Publishing is not property damage
A correction, a claim about a recognisable person depicted or a cease-and-desist letter about footage used produces no injury or damaged property. The AVB does nothing there. Infringement of copyright and image rights is also separately excluded on many professional indemnity policies; check that before you work with stock material or user-generated content.
Equipment that is not yours
If you borrow a camera, a phone or a laptop from your client, that item is in your in your care and the standard AVB does not cover damage to it. Agree in writing who carries the risk. You insure your own belongings not with liability but with business contents and goods insurance.
Working at the client's premises
As soon as you film in a shop, practice or catering business, you are among the public and the fit-out. State when you apply that you regularly work on location; a policy issued on a description of office work does not automatically match what you actually do. Article 7:928 of the Dutch Civil Code calls for a correct disclosure.
Unjustified claims cost money too
Liability insurance not only pays compensation but also conducts the defence where you consider a claim unjustified. In publication disputes that defence is often the biggest cost. If the dispute is not about liability but about your contract or invoice, you need legal expenses cover for self-employed professionals needed.
What does your premium depend on?
- Annual turnover: the usual basis for a sole trader
- Share of your own content production: filming and photographing on location weighs more heavily than scheduling alone
- Sectors your clients are in: medical, financial services and gambling have stricter advertising rules
- Sum insured: per claim and per insurance year
- Excess: a higher excess lowers the premium
- Area of cover: campaigns aimed at countries outside Europe change the risk
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | AVB | BAV |
|---|---|---|
| Your ring light topples against the shop window where you are filming | Yes | No |
| A customer of your client trips over a tripod leg and breaks a wrist | Yes | No |
| A prize draw goes live without the required rules and all the prizes have to be awarded after all | No | Yes |
| A scheduled post puts a product launch out before the agreed embargo | No | Yes |
| The laptop you have on loan from your client falls off the table | No | No |
| An assistant you hired for a single shoot day drops a lamp on the client's floor | Provided that | No |
If you regularly work at clients' premises, report that when you apply: a policy based on a description of office work does not automatically fit.
Frequently asked questions
This is what people ask us most.
I posted a photograph without a licence. Does my insurance pay the fee?
Almost certainly not. A claim from a rights holder is about lost licence income and therefore about money. The AVB does not cover that, and infringement of intellectual property is excluded on most professional indemnity policies as well. Keep a licence record and retain the evidence from your image banks.
My client loses followers after a misjudged post. Is that insured?
Not on the AVB. Lost reach and turnover are pure financial loss. Whether professional indemnity insurance pays depends on whether you made a professional error and on the arrangements about final editing. Record approval rounds. In disputes of this kind that is your most important evidence.
What if my client's account is hacked?
Restoration costs, misused advertising credit and the liability towards the client belong with cyber insurance. The AVB is not intended for that. Call in your broker at once: Article 7:941 of the Dutch Civil Code ties the duty to notify to the moment you reasonably know of the loss.
Am I insured when I drive to a shoot?
Damage you cause with a motor vehicle does not fall under the AVB. The compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM) exists for that. Equipment in the car is another policy again; goods and equipment in transit call for separate cover.
Read more
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