Insurance is one of those items that many people don’t think about until they get in a car accident or have a major medical problem. Yet, many of us rely on our cars, homes, or even our jobs to get us around or allow us to live our lives. Yet, some people don’t think about their health, their jobs, or their homes without insurance.
I’m sure you’ve heard it before: Bloggers are entitled to health insurance. But why should they pay for it? Of course, blogging is a job, but calling it “work” is overstating the case greatly. If “blogging” were actual work, employees would perform and reward like any other job. Even employees of companies that blog are often covered by insurance to protect them from lawsuits and also to cover the costs of a blog.
So, do bloggers need insurance?
Bloggers are often seen as outcasts, people who are a little different from the rest of the world. But a lot of them are just normal people who are trying to get by in a world that seems to be changing faster and faster. The life of a blogger is not much different from the life of a regular Joe, but sometimes things can go wrong, and that’s what insurance is for.
You may be thinking, “I’m a blogger, not an insurance agent! I don’t need to buy insurance!” However, the facts are that insurance is a necessary evil for anyone who wants to make a living blogging about topics related to technology or the general public. Bloggers need to be able to cover the cost of potential lawsuits and other legal expenses that may arise from their writings, as there is no guarantee that they will not be sued at some point in time.
Bloggers often claim that they do not need to carry any insurance. And while it would be nice if all of our online posts and comments were legal, there are still plenty of times that we could end up liable for defamation, invasion of privacy, or other actions, and we would be liable for such claims. In some cases, we may need to prove that we had no reason to believe that our post would be defamatory. However, even when we write something that we believe is not defamatory, a court may still find that we are liable for the publication of defamatory material.
For the most part, bloggers and social media managers don’t require any special insurance coverage. They tend to be high-risk users, and the high cost of their typical gadgets and activities means they’ll likely require more coverage than more sedentary consumers.
Are you a blogger who has started a blog and wants to protect yourself from a lawsuit?
The cost of a policy for a small blog is relatively cheap. It can protect your intellectual property if you get sued for copyright infringement or if you accidentally post an image that contains someone else’s copyrighted material. If you own a business, you should also consider having a small business insurance policy; it should cover any losses, including that of a business interruption. Bloggers are also likely to be involved in cyber liability litigation, which refers to a problem with a website that has been hacked or that you’ve published a posting that has been posted without your consent, which are the types of claims that the small business policy should protect against.
The idea of blogging and being a freelance writer can be incredibly rewarding, but it can also be a very lucrative profession. It is not uncommon for bloggers to sign deals to get paid a certain amount of money to write posts, which can amount to thousands of dollars. However, this also has its risks. Many bloggers also don’t have any type of insurance to cover the assets that they may need to recover in the event of a total loss. If you’re a blogger and want to be paid for your content, make sure to have the appropriate health insurance to protect your assets.
The only thing that can be said for sure about insurance coverage is that it is an incredibly important aspect of your financial life. It is the one thing that you can never get back, no matter how much you “invest” in the stock market. It is the one thing that protects you from financial disaster in the event of a claim or a lawsuit. Everyone needs insurance, and it is important to understand your options.