Great factors indeed – can you tell I’m not an expert? ;)

Sweetness! You guys will own the niche since you’re the only ones doing it! Haha… Thanks for stopping by and adding this – gonna take a look now and see what it all entails.

After reading this post, I thought it would be timely to reach out and let you know that blogger insurance is now available. CalSurance Associates is a professional liability insurance broker that has developed an insurance product specifically for bloggers called BloggerShield™. http://bloggershield.com/

As a blogger, your content and your message are the most valuable components of your business. With increased success and blog visibility comes the vulnerability of having a claim or lawsuit brought against you, leaving both your blog and your personal assets at risk. Bloggers are subject to claims arising out of libel, slander, defamation, copyright infringement, and privacy violation. Regardless of how baseless a claim may be, bloggers, like any other professional, need insurance protection should a claim arise. BloggerShield™ insurance covers legal fees and other costs associated with liability claims brought against you in the course of your blogging activities. You can learn more about BloggerShield™ at http://bloggershield.com/.

Hope this is a helpful resource for all you bloggers looking for insurance!

Oh cool, will check it out, thx man. “Cyber Insurance” – I like that!

Luckily, agents like @JenniferBond above, can customize the coverages you need.. We’ve also also tried to demystify the topic for online publishers by providing an online checklist tool that spits out a list of cyber-related coverages you need for your business.

http://www.insurancegraph.com/online-publisher-insurance-requirements

Currently I have all “extra” things paused for the start of the new year, but I’m gonna save your email and number here (I got emailed this comment so it’s in a safe spot!), and will ping you the second I’m ready to go down this path again. I find it all kinds of fascinating, and if it helps out a ton without costing a ton, I think it would be a great fit.

Thanks again! Good luck on your blogger meetup this week! :)

Obviously the media conglomerates have enough money to self-insure or buy gigantic policies because they most likely have large offices and have a lot of exposure to protect. You are one person, or you’re a small group of people, working from home or coffee shops or shared office centers, and you kick ass at what you do AND you’re running a viable business. Why can’t there be an insurance company that specializes in this? It’s true – it’s a new concept to them. There haven’t been enough relatable court cases to show insurers how costly claims can be, and they haven’t quite grasped how to compare you to similar business categories they already understand. Plus, not enough bloggers have sought it out because society doesn’t yet see them as viable businesses TO insure.

There are Media Liability options out there, with Errors & Omissions (aka Professional Liability), Advertising Injury Liability, Cyber Liability. I have professional bloggers as clients with these types of coverages. In non-insurance-nerd-speak, that all includes coverage to protect you in court for the risk of being an expert in something, saying something another party feels is false or slanderous, data breach, and copyright infringement.

Business Interruption (aka Business Income) coverage is available – it’s a type of Property Insurance. The easiest way I’ve found that you can get this is to first purchase a General Liability policy and then add on the Property – you can also include your laptop, office furniture, other machines & materials that you use in the business.

Though I can’t speak to the retail or wholesale market value of a website, I can tell you that my insurers valued the business risk by comparing the number of viewers to the revenue generated by ad sales to the content, and essentially created their own “rate” to charge. Viewership not only included the blogs, but all social media venues where they exist. Anywhere you exist, you have risk.

I have no hesitation telling you that I would LOVE to work on this for you & anyone else, though I’d even be happy to just keep the discussion going. I work from an office in Fort Collins, Colorado but I have the ability to help people in all states. 800-685-4519, local 970-372-6013. You rock.

Jenny Bond
“Insurance Isn’t as Sexy as Budgets but it’s Getting There” :)

just an FYI —

AOL acquired BloggingInsurance.com

http://whois.domaintools.com/blogginginsurance.com