A UGC creator works with someone else's product, in someone else's home or premises, using their own equipment. Three sentences that describe exactly the three risks insurance can cover, and that most creators do not think about until something happens.

The three real risks

Damage to a client's product

A broken cream is anecdotal. Borrowed electronics or a garment from a collection that has not launched yet is not.

Damage at a location

You film in a shop, a restaurant or someone's home and something breaks, or someone trips over your tripod.

Damage to or theft of your own equipment

Phone, lights, microphone, computer. Without them you do not invoice, so the loss is not just the price of the device.

Which cover makes sense

Professional liability

It covers damage you may cause to third parties while working. It is what some company clients ask for before letting you into their premises, and it is the cheapest relative to what it prevents.

Equipment insurance

It covers your gear at home and outside, including transport. Check whether theft without forced entry is included, because often it is not.

Accident cover

If you work alone and an injury keeps you from filming for a month, your income stops.

Whatever you do not buy, allocate in writing: in the job contract, define who is responsible if a product is damaged during the shoot.

When it starts to be necessary

With an occasional client and shoots at home, the risk is low and liability cover is enough.

The moment you film on client premises, handle expensive product or work with brands that require supplier documentation, insurance stops being optional and becomes a commercial requirement: without it, there are contracts you simply cannot access.

The practical detail

Keep the policy in the same folder as your standard contract and your rate card. When an agency asks for the certificate, answering within the hour separates you from half the competition.

And check the limit per claim, not just the annual price. A cheap policy with a ridiculous limit does not solve the case you are afraid of.

Where to go next

Insurance turns an accident into paperwork. Our guide on how to become a UGC creator covers contracts, pricing and presenting yourself as a supplier.