Caution

Creator Insurance Required

Creator must carry and maintain specified coverage; premium cost becomes part of engagement operating cost.

Show it
Look in the insurance, coverage, or indemnity section for phrases like "Creator shall maintain general liability insurance", "Creator shall carry professional indemnity", coverage limits in dollar amounts, "Brand shall be named as additional insured", or "waiver of subrogation".
Decode it
Insurance requirements are reasonable where Creator activity carries third-party risk. But template requirements often exceed actual risk - $5M aggregate on a $5,000 engagement means premium cost can consume 15- 30% of fee. Named- additional- insured status consumes Creator's policy limits for brand defence.
Fix it
Push for: coverage limits proportional to engagement value; reciprocal brand-side insurance obligations; brand reimbursement of premium costs; narrow additional- insured scope limited to engagement- specific claims.

What it means

This contract requires you to carry specific insurance coverage, typically general liability, professional indemnity, cyber liability, or workers compensation, at specified limits. You may also need to name the brand as an additional insured on your policy. The premium cost becomes part of the engagement's operating cost.

Insurance requirements are operationally reasonable where the creator's activity carries third-party risk (on- location work, product handling, public events). But template insurance requirements can significantly exceed actual risk; $5M aggregate on a $5,000 engagement means premium cost can consume 15-30% of fee. Named- additional- insured status consumes your policy limits for brand defence, reducing your own coverage.

What to check before you sign

  • ·Are coverage limits proportional to engagement value?
  • ·Are you required to name the brand as additional insured?
  • ·Is waiver of subrogation required (waives your insurer's right to pursue the brand)?
  • ·What documentation is required (certificate, endorsement)?
  • ·Are notice-of-cancellation obligations operationally workable?
  • ·Does the brand reimburse insurance costs?

How to fix it

  • moderate

    Negotiate coverage limits proportional to engagement value rather than template brand- template amounts.

  • harder

    Brand reimburses Creator for insurance premium costs, or the engagement fee is increased to cover premium.

  • moderate

    Narrow the additional- insured scope to engagement- specific claims rather than blanket coverage on all creator activity.

  • moderate

    Brand carries equivalent creator- protective coverage and names Creator as additional insured on brand- side risks affecting creator.

Negotiating it

A good opening

"Could we adjust the coverage limits to be proportional to the engagement value, and limit the additional- insured scope to engagement- specific claims rather than blanket Creator activity? "

When to walk away

Disproportionate coverage limits (e.g., $5M aggregate on a $5,000 engagement), blanket additional- insured scope, waiver of subrogation consuming Creator's own coverage, no brand reimbursement, and one-way insurance obligations (no reciprocal brand coverage), creates a structure where insurance cost materially reduces engagement net and Creator's own coverage is consumed for brand defence. Caution signal for modest-fee engagements.

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Educational guidance, not legal advice. For high-value or complex deals, consult a qualified solicitor.