How Do YouTubers Get Health Insurance | An Expert Guide

If the YouTuber is in the United States, they must have insurance in the country where they are from. It is also possible to marry someone who needs insurance to work. Let’s learn how YouTubers get health insurance.

Over a billion people use YouTubers every month, and 5 billion videos are watched every day. This is a huge undertaking. However, it can be an excellent way to make money. The number of broadcasters earning six-figure salaries has increased by 50% in the last five years. It also turned out that in 2015, the world’s most profitable YouTube users earned $54.5 million.

Making money on YouTube is a lot of work. There are many things to think about, like how many views, sponsorships, ads, and clicks you get.

However, suppose an author doesn’t have a Patreon account and a regular income (salary). In that case, there are significant differences and inconsistencies in how the money is distributed and spent. Let’s discuss this further:

How do YouTubers get Health Insurance?

How Do YouTubers Get Health Insurance
  • The YouTuber is covered by the group they work with.
  • In this case, it is a group of people who get health insurance through the company.
  • Another company covers YouTubers.
  • They are covered by a certain health insurance company that pays for their medical needs.
  • They have their own health insurance company that pays for their medical needs.
  • Are covered by the YouTuber’s own health insurance company, paying for the YouTuber’s medical expenses.
  • Another company covers the YouTuber, but the other company’s health insurance does not cover them.
  • They are covered by a certain health insurance company that pays for their medical needs.
  • Their own health insurance company covers YouTubers.
  • They have their own health insurance company that pays for their medical needs.
  • They are covered by the YouTuber’s own health insurance company, paying for the YouTuber’s medical expenses.

Situations that general liability insurance may cover for a YouTuber business

Example 1

There are many similarities between your video and a video made by someone else. That person will sue you for copyright infringement and loss of viewers. You may be able to get general liability insurance to pay some of the costs if you decide to sue someone.

Example 2

A listener thinks your content is legal, so he files a copyright lawsuit against you. Whether you agree or fight the claim, your general liability insurance will pay all your legal fees.

Example 3

You invite a guest to a special event at a party. On the way out, they trip over a wire in the hallway and have to go back in. General liability insurance pays for the medical costs caused by the fall.

YouTuber Insurance Options

Freelancers can choose from various insurance plans to fit their needs and lifestyle. For one thing, if you terminate your work and lose your job insurance for whatever other reason, you will have to pay for it yourself.

At any time, you can get insurance, even if you already have a policy that no longer meets your needs. COBRA insurance can be much more expensive than a plan in the health insurance marketplace.

You can join up to 60 days after your coverage ends. There may be other ways to get coverage if you lose it at work, so check with them.

However, if your income changes a lot, you can apply based on how much you think you will earn in a year. Your savings are based on this math.

  • If your income changes, you can renew your application and change the coverage and savings you have, or you can do both.
  • If you are self-employed or start a business with little money.
  • You may be able to get low-cost Medicaid or free or low-cost health care.
  • If you have experienced an improvement in your insurance proceeds, you may be able to increase or modify your coverage so that only those who can afford to pay for it are eligible.

Cost of General Liability Insurance

How Do YouTubers Get Health Insurance

YouTube creators in the U.S. spend an average of $350 to $900 a year on $1 million in general liability insurance in the United States.

The premium amount is based on many different things. These are as follows.

  • Where you live is essential.
  • The amount that can be deducted.

How many People work for this company?

  • The number of persons who may attend an event.
  • The number of limits.

General liability insurance is better when part of a business owner’s policy (BOP) than purchased alone. A more comprehensive solution, including many different coverage types, such as business interruption and property insurance, is the BOP.

Other Types of Coverage YouTubers Need

Other Types of Coverage YouTubers Need

Liability insurance is the most important, but there are many other types of insurance you should think about as well. Everyone who makes YouTube videos should get other types of insurance, like this one.

Commercial Property Insurance

To cover damage caused by natural disasters, vandalism, or fire, you will need commercial insurance for your YouTube business. You will need to get it if your company has a recording studio. Cameras and lights, as well as the building itself, are covered by this type of insurance.

Professional Liability Insurance

If you provide professional advice on YouTube, you should have professional liability insurance if you make mistakes or omit important information that could harm your viewers.

A person who thinks your content has injured them can file a formal claim against you, and this insurance will pay some of your costs.

Home-Based Insurance

You can also get insurance for your equipment and workspace if you work from home.

When you work from home, your standard home and contents insurance does not pay for things that happen while you work.

Commercial Umbrella Liability Insurance

This insurance is intended to help your general liability insurance if it runs out. There is a limit to how much money a business owner can use for legal fees. General liability insurance does this.

Liability insurance will cover this amount or more if you are sued for a lot of money.

Workers’ Compensation Insurance

Many YouTube businesses start as sole proprietors, but they will need liability insurance to protect their business when hiring part-time or full-time employees.

A policy covers everyone who works for the company if they are injured. You may choose to obtain liability insurance as part of the contract.

Additional Steps to Protect Your Business

You should obtain business insurance, but it should not be your first line of defense. It is easy and essential to do.

If you have an accident, insurance will cover the costs. But it’s best to avoid them at all costs.

Following these steps will help you better protect your business.

Use contracts and other legally valid business documents to make your business work well (we provide free samples of standard legal forms).

Starts a limited partnership (LLC) or a corporation to protect your money or assets towards third parties (see our step-by-step guide to incorporating an LLC or a corporation in your state).

It’s time to update your business license again. Make internal processes easier. This reduces the number of things that can go wrong when you do the same thing repeatedly.

If incorporated as an LLC, you must obtain limited liability company insurance to protect your business.

Frequently Asked Questions 

How much do YouTubers make a month?

They are different methods of operation, depending on the channel. This time, let’s look at my YouTube account. Could you put it in the right place?

There is a pivot point at $4.91. Let’s change it to $5.00. People don’t want to do complicated math.

Play the game 10,000 times, and you can win $50.00 for $5.00 each time. In this case, you get $500.00. People who visit your site 200,000 times a month earn $1,000 a month.

You need a lot of people to make money on YouTube.

Do I need insurance before I start a business?

Before you meet a new customer for the first time, you should buy insurance for your business.

The cost of insuring a new business may seem high at first, but it’s better to be proactive and protect your money and property.

You can’t just buy insurance to cover the costs of possible losses.

Will insurance protect my business from everything?

Not every time. There may be many things that the insurance policy doesn’t cover. So, make sure you talk with your insurance company representative to ensure there aren’t any gaps in coverage.

Bottom line

You can start a YouTube business independently, but you’ll need liability insurance if you hire a full-time or part-time employee.

A policy covers everyone who works for the company if they suffer an accident. YouTube Premium offers creators advertising money and a second way to earn money.

Video creators get a share of the money from new YouTube Premium subscriptions based on the number of people who watch their videos.


Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

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