StudioGuard: Insurance Built for the Creator Economy
Insurance built around the way creators actually work — content, brand deals, shoots, property, digital workflows, and cyber risk. Licensed insurance professionals handle coverage questions, quoting, and binding.
Built for Every Kind of Creator
Whether you're filming your first video or managing a content empire, StudioGuard is built around the way you work.
Creators
Creating content, media, and digital experiences — from social media and podcasts to design, video, and code.
Operations
Running and supporting business operations — project management, HR, administration, and logistics.
Advisors
Guiding strategy and business decisions — consultants, analysts, and strategic planners.
Advocates
Representing and protecting client interests — legal, regulatory, and compliance professionals.
Care Providers
Supporting personal wellbeing and development — coaches, therapists, trainers, and wellness professionals.
Stewards
Managing and protecting financial and physical assets — property managers, accountants, and fiduciaries.
Educators
Delivering knowledge, training, and instruction — tutors, course creators, and professional trainers.
Builders
Developing technology and shipping digital products — developers, engineers, designers, app builders, and vibe coders.
Layered Creator Protection
StudioGuard is built around seven layers of protection designed around how creators actually work. Which layers fit your situation is subject to eligibility and policy terms, and coverage questions are handled by licensed insurance professionals.
What it's built around
- Allegations of errors in your professional services
- Allegations of negligence or failure to perform
- Defense-cost considerations for covered claims
- Full prior acts
Limit options: $100K/$100K, $250K/$250K, $500K/$500K, $1M/$1M or $1M/$2M. Deductibles from $500 to $10,000.
Why creators explore this
Professional Liability is built around the work creators and professionals deliver for clients. Availability, limits, and terms are subject to eligibility and policy terms, and coverage questions are handled by licensed insurance professionals.
What it's built around
- Allegations arising from covered media and content-related activities
- A separate media sub-limit you choose
Limit options: $100K, $250K, $500K or $1M, up to your Professional Liability limit.
Why creators explore this
Media Liability is built around claims that can arise from the content creators publish. Covered events, exclusions, limits, and availability are determined by the applicable policy forms and underwriting. Coverage questions are handled by licensed insurance professionals.
What it's built around
- Bodily injury (BI) considerations at events or shoots
- Property damage (PD) considerations during production
- Premises and on-location exposures
Limit options: a Liability Extension on your Professional Liability policy at $100K/$100K, $100K/$250K, $250K/$250K or $250K/$500K, or standalone General Liability at $1M/$2M.
Why creators explore this
General Liability is built around real-world exposures like bodily injury and property damage that can arise during shoots, events, or on location. Whether and how coverage applies is subject to eligibility and policy terms; coverage questions are handled by licensed insurance professionals.
What it's built around
- Cameras, lenses, lighting, and production equipment
- Studio furniture, computers, and editing hardware
- Portable equipment used away from your premises
- Platform Income Interruption included (see below)
Limit options: $10K, $25K, $50K, $100K, $250K, or a custom limit up to $1M. Deductibles from $1,000 to $25,000.
Why creators explore this
Property options are built around the physical tools and spaces creators rely on, including business income and extra expense considerations after a covered loss. Whether coverage applies, and to what extent, is subject to eligibility and policy terms. Coverage questions are handled by licensed insurance professionals.
What it's built around
- Lost income and extra expense after a covered loss at your workspace
- Interruption of the network service your online sales rely on, from a covered cause
- Business interruption from a cyberattack on your systems (through Cyber Suite)
- Included with Business Property — removable
Limit options: $10K, $25K, $50K or $100K.
Why creators explore this
Platform Income Interruption replaces lost income and pays extra costs when a covered loss damages your workspace, a covered cause interrupts the network your online sales rely on, or a cyberattack hits your systems. It doesn't cover a platform's own technical failures or an account suspension, demonetization or ban.
What it's built around
- Repair or replacement for eligible devices
- Included with Business Property
Limit options: up to $1,500 per device.
Why creators explore this
Equipment Warranty is built around the devices creators depend on every day. Availability and terms are subject to eligibility and the applicable warranty terms. Questions are handled by licensed insurance professionals.
What it's built around
- Data compromise response
- Computer attack
- Cyber extortion
- Misdirected payment fraud
- Computer fraud
- Telecommunications fraud
- Reward payments
- Privacy incident liability
- Network security liability
- Electronic media liability
- Identity recovery
Limit options: $50K included by default, with $100K, $250K, $500K or $1M available. $500K and higher require additional underwriting questions.
Why creators explore this
Cyber Suite is built around the digital risks creators face across the platforms and data they manage. The categories shown are illustrative; availability and terms are subject to eligibility and policy terms, and coverage questions are handled by licensed insurance professionals.
Straightforward Pricing
StudioGuard pricing starts at $39.99/month or $395/year. Final pricing depends on the coverage you explore and your eligibility. Licensed insurance professionals handle quoting and binding.
Getting Started in 3 Simple Steps
No paperwork. No phone tag. StudioGuard was built for the digital-first generation.
Tell Us About Your Content
Answer a few quick questions about your content type, revenue, and platforms.
Explore Your Coverage Options
Explore the coverage layers that may fit your work and see estimated pricing in real time. Coverage availability and terms are subject to eligibility and policy terms.
Review & Activate with Licensed Support
Review your options with a licensed insurance professional who handles coverage questions, quoting, and binding. Your policy documents are delivered digitally once you're set up.
Why Creators Choose StudioGuard
Purpose-built for the creator economy — not retrofitted from a generic small business policy.
Built for the Creator Economy
Designed around how creators actually work — not retrofitted from a generic small-business policy.
Platform Income Interruption Included
Business Property includes Platform Income Interruption, subject to eligibility and policy terms.
Wide Range of Creator Classes
From beauty and gaming to consulting and development, the program is built around many kinds of creator work.
Answer a few questions about your work
Stuckey's team and your agent handle coverage questions, quoting, and binding.
A Program by Stuckey & Company
Built with Stuckey's team and a network of 1,200+ independent agencies.
TRiMRisk Risk Management
An embedded risk-management option built around helping you address risk proactively.
Nationwide Agency Network
Available through a network of independent insurance agencies, with availability varying by state.
A Program by Stuckey & Company
Backed by an organization protecting businesses since 1991.
Your CoverCore Agent
A local licensed professional who advises you and services your policy, backed by Stuckey & Company's CoverCore platform, which connects insurance carriers, creator platforms, a network of local licensed agents, TRiMRisk embedded prevention-as-a-service, and TRiMPay payments.
Common Questions
Everything creators and agents need to know about StudioGuard coverage.