Spot for Social Platforms

Get quotes from 50+ social platform insurance providers with Spot

We get quotes that fit how people post, message and get paid on your platform, and update your coverage as you ship.

  • Cyber quoted on your messages, profiles and payout data
  • Brand campaign contracts checked against your coverage
  • Keep your broker or switch, with no commissions on premiums
A trust and safety lead and an engineer talk while holding a phone and laptop.

How Spot helps Social Platforms

Tell us how your app works

Your Spot team writes up who can post, whether content is public, how moderation and complaints work, what data you collect and which vendors handle payments and hosting.

Orbit SoftwareOrganized by Spot
Coalition
Beazley
Chubb

Read the campaign contract

Before you accept a brand campaign, send the agreement. Spot checks its indemnity, service commitments and insurance requirements against your policies.

Cyber liability insurance

Orbit Software · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Compare cyber quotes on breaches and outages

When quotes come back, Spot compares how each one treats a messaging breach, a payment vendor outage, notification costs and platform downtime.

Chubb
Beazley
CoalitionQuote request

Cyber liability insurance

Incident response · Business interruption

Orbit Software

Ask before you ship a feature

Before you launch DMs, payouts or a teen mode, ask your Spot team in Slack whether the submission needs updating.

# spot-support

TaylorOrbit Software

What do we need to request cyber liability insurance quotes?

RileySpot

Let’s prepare the information for your broker and compare the terms, not just the price.

How buying insurance works for Social Platforms

  1. 01

    Tell us about your business

    Share what you do, where you work, the policies you have and any contracts that ask for insurance.

  2. 02

    We write up your application

    Spot turns it into an application that describes your business the way insurers need to see it.

  3. 03

    We get quotes from insurers

    Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.

  4. 04

    Compare your quotes

    We put the quotes side by side on limits, exclusions and terms as well as price.

  5. 05

    Buy your policy and get certificates

    You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.

Social Platforms we help

  • Social and community apps

    Profiles, private messages and location data make a breach costly, and cyber terms vary from one form to the next.

  • Creator platforms

    Payouts, payment vendors and creator terms add data and contract obligations to your quote.

  • Platforms selling brand campaigns

    Brands rely on your campaign management and analytics, and their contracts carry indemnities and service promises.

  • Teams running creator events

    Meetups and live productions raise general liability questions, and venues often ask for a certificate first.

Insurance Social Platforms usually carry

The policies companies like yours are usually asked for, and when each one comes up.

Insurers that quote Social Platforms

Get quotes from 50+ social platform insurance providers with Spot.

  • AIG
  • Alliance Risk
  • Amelia Risk
  • Aon
  • At-Bay
  • Beazley
  • Berkshire Hathaway Specialty Insurance
  • And many more

When Social Platforms need insurance

  • 01

    You’re launching uploads or messaging

    New public content and private data change both your cyber and errors and omissions questions.

  • 02

    You’re adding creator payouts

    Payment flows and payout data belong in the cyber application, along with the vendors that process them.

  • 03

    A brand wants to run a campaign with you

    Compare the brief, approval process, disclosure plan and indemnity with your coverage before launch.

  • 04

    Younger users may join

    Document the service’s design, features, marketing and audience for a COPPA review, and tell your broker about the change.

  • 05

    You’re hiring a moderation team

    Moderators and support staff in several states change your workers’ compensation, so report each state, employing entity and job duty.

Questions from Social Platforms

Also known as social media company insurance, social media platform insurance, social app insurance, creator platform insurance and online community insurance.

What insurance does a social media platform need?

Cyber for user data and errors and omissions, which may include media liability for user content, usually lead. General liability, inland marine for gear and workers’ compensation round it out. Spot updates the submission as you add uploads, messaging or payouts.

When should we revisit insurance after shipping a feature?

Revisit it when the feature changes the data you collect, what’s public, your moderation role, a service commitment or how money moves. Spot updates the submission with you.

Are creator endorsement claims covered?

Following FTC disclosure guidance is a compliance step, not evidence of coverage. Spot asks brokers how each proposal treats your campaign services.

Do privacy laws tell us what cyber insurance covers?

No. Cyber forms are customized, so Spot compares the actual response, liability, restoration and interruption terms in each one.

Our broker hasn’t placed cyber for a consumer app before. Is that a problem?

It doesn’t have to be. Spot can work with your current broker on the cyber submission, or help you switch to one who places more consumer platform risk. Spot sits alongside whichever broker you choose and takes no commissions on premiums.

Get insurance off your to-do list.

Get quotes from 50+ social platform insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.

Get Started