Creator Economy Insurance Global Market Report 2025

The creator economy insurance market size has grown exponentially in recent years. It will grow from $1.4 billion in 2024 to $1.72 billion in 2025 at a compound annual growth rate (CAGR) of 23%. The growth in the historic period can be attributed to the rising number of freelance workers, increasing online content consumption, growing social media monetization, the expansion of digital platforms, and rising demand for personalized insurance solutions.

The creator economy insurance market size is expected to see exponential growth in the next few years. It will grow to $3.89 billion in 2029 at a compound annual growth rate (CAGR) of 22.7%. The growth in the forecast period can be attributed to an increasing number of full-time content creators, rising influencer marketing spending, greater adoption of digital payment platforms, the expansion of creator monetization tools, and growing awareness of professional risks among creators. Major trends anticipated in the forecast period include technological advancements in insurtech, innovations in embedded insurance, developments in digital risk management, progress in policy customization, and the adoption of AI-powered claims and underwriting systems.

The rising number of full-time content creators is expected to propel the growth of the creator economy insurance market going forward. A full-time content creator is an individual who dedicates the majority of their working hours to producing and monetizing digital content rather than holding a separate primary job. The number of individuals pursuing content creation as their sole occupation is increasing because improved monetization options and enhanced platform support have made content creation a viable and sustainable career path. Creator economy insurance supports full-time content creators by addressing the specific risks they face such as intellectual property claims, liability for user-generated content, and equipment damage, enabling more creators to operate professionally and with greater financial security. For instance, in April 2025, according to the Interactive Advertising Bureau (IAB), a US-based trade association, the U.S. digital economy saw a surge of about 1.5 million new jobs in 2025, with creators forming the largest and fastest-growing segment, accounting for more than one in ten full-time internet-dependent roles. Therefore, the rising number of full-time content creators is driving the growth of the creator economy insurance market.

Major companies operating in the creator economy insurance market are focusing on developing innovative solutions such as insurance literacy fellowship programs to enhance public understanding and engagement with insurance through creator-led education. An insurance literacy fellowship program is an initiative that collaborates with digital content creators to simplify complex insurance concepts and promote financial awareness among broader audiences. For instance, in August 2025, Heirs Insurance Group, a Nigeria-based insurance provider and subsidiary of Heirs Holdings, launched the Heirs Insurance Creators Fellowship. The initiative partners with selected influencers to communicate insurance and financial literacy in relatable and culturally relevant ways, using storytelling and digital media. It represents a pioneering effort to bridge the gap between the insurance industry and young, digitally engaged audiences, fostering greater trust, awareness, and inclusion in the insurance ecosystem.

In October 2025, Lombard, a South Korea-based provider of Bitcoin finance infrastructure, decentralized financial products, and blockchain-based insurance solutions, entered into a strategic partnership with Story for an undisclosed amount. With this partnership, Lombard aims to expand its presence in the creator economy by integrating Bitcoin-backed financial and insurance infrastructure with programmable intellectual property systems to enhance monetization, transparency, and protection for global creators. Story is a South Korea-based Layer-1 blockchain platform that specializes in making intellectual property programmable, enabling creators and enterprises to register, license, insure, and monetize digital assets and AI-generated works.

Major players in the creator economy insurance market are Berkshire Hathaway (biBERK), Allianz, Zurich Insurance Group, Progressive, Chubb, Liberty Mutual, The Hartford, Markel Corporation, Nationwide, Hiscox, Thimble, AXA XL, Next Insurance, Beazley Group, Simply Business, Coterie Insurance, Insureon, Superscript, CoverWallet (Aon), PolicyBee, Embroker.

North America was the largest region in the creator economy insurance market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in creator economy insurance report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa. The countries covered in the creator economy insurance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report’s Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The rapid escalation of U.S. tariffs and the resulting trade tensions in spring 2025 are significantly impacting the financial sector, particularly in investment strategies and risk management. Heightened tariffs have fueled market volatility, prompting cautious behavior among institutional investors and increasing demand for hedging instruments. Banks and asset managers are facing higher costs associated with cross-border transactions, as tariffs disrupt global supply chains and dampen corporate earnings, key drivers of equity market performance. Insurance companies, meanwhile, are grappling with increased claims risks tied to supply chain disruptions and trade-related business losses. Additionally, reduced consumer spending and weakened export demand are constraining credit growth and investment appetite. The sector must now prioritize diversification, digital transformation, and robust scenario planning to navigate the heightened economic uncertainty and protect profitability.

The creator economy insurance market research report is one of a series of new reports that provides creator economy insurance market statistics, including creator economy insurance industry global market size, regional shares, competitors with a creator economy insurance market share, detailed creator economy insurance market segments, market trends and opportunities, and any further data you may need to thrive in the creator economy insurance industry. This creator economy insurance market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.

Creator economy insurance offers coverage tailored to the unique risks faced by individuals and businesses working in digital content creation and online monetization. It addresses exposures such as liability, income loss, intellectual property conflicts, and equipment damage associated with producing, distributing, and monetizing digital content. This type of insurance helps creators maintain financial security, manage professional risks, and focus on expanding their digital presence.

The main types of insurance in the creator economy include health insurance, liability insurance, income protection, intellectual property insurance, equipment insurance, and others. Health insurance in this context refers to coverage plans designed to protect independent creators, freelancers, and digital entrepreneurs from medical expenses, offering financial security typically not available through traditional employer-sponsored plans. Coverage applies to individual creators, agencies, platforms, and others, and is distributed through channels such as direct providers, brokers or agents, online platforms, and more, serving end users including content creators, influencers, streamers, podcasters, and others.

The creator economy insurance market includes revenues earned by entities by providing services such as health insurance, liability insurance, income protection, intellectual property insurance, equipment insurance, cyber insurance, professional indemnity insurance, travel insurance, event cancellation insurance, business interruption insurance, embedded insurance services, risk assessment and consulting, claims management, and policy customization. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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