Student at UPES Dehradun, India
The influencer economy has emerged as one of the most dynamic and powerful sectors in the global digital landscape. Social media influencers, with their unmatched ability to sway public opinion and consumer behaviour, have transformed platforms like Instagram, YouTube, and TikTok into thriving ecosystems of creativity and commerce. This unprecedented reach, however, comes with significant exposure to risks that traditional professions seldom encounter. From defamation lawsuits to reputational harm caused by deepfake AI and cyberattacks, influencers operate in an environment where their digital identity is both their greatest strength and their most significant vulnerability. Despite their growing prominence, most influencers remain underprepared to navigate these challenges. The existing insurance frameworks fail to address the unique risks influencers face, such as protection against data breaches, copyright infringements, account hacks, and legal liabilities arising from content-related disputes. The lack of tailored insurance solutions leaves influencers exposed to financial losses and reputational damage that can be career-ending. This paper investigates the pressing need for comprehensive insurance policies specifically designed for social media influencers. It explores the inadequacies of existing models, draws insights from global best practices, and examines legal and technological developments that could shape the future of influencer insurance. As the influencer market continues its meteoric rise, this study underscores the urgency of proactive measures to safeguard their careers and livelihoods, paving the way for a more secure and sustainable digital creator economy.
Research Paper
International Journal of Law Management and Humanities, Volume 8, Issue 1, Page 610 - 626
DOI: https://doij.org/10.10000/IJLMH.118946This is an Open Access article, distributed under the terms of the Creative Commons Attribution -NonCommercial 4.0 International (CC BY-NC 4.0) (https://creativecommons.org/licenses/by-nc/4.0/), which permits remixing, adapting, and building upon the work for non-commercial use, provided the original work is properly cited.
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