Q: What kind of insurance do creators need?

Influencers, creators and other Instagram account owners are spending months building their feed, social identity, reputation, collaborations, follower base, and more. But what happens if the account gets hacked? But what happens if the account gets hacked Or they suddenly find themselves locked out of their account? Today, you don’t have much to do and It’s difficult to get support.

Q: What to do if my Instagram account has been hacked?

If you weren’t fortunate enough to buy a Notch policy, click here to view a guide.

Question 1

Why do creators need insurance?

Answer

Influencers, creators, and other social media account owners devote months to building their feeds, social identities, reputations, followings, and more. In the same way that you would insure your house or car in case of a disaster, creators need to be able to protect their accounts in case of a hack, so they don’t lose everything they’ve built in a matter of seconds.

Question 2

How does Notch protect creators?

Answer

Around 200 influencers get hacked on Instagram each day in the United States. Up until now, there wasn’t too much to do, and getting support was extremely tough.

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That’s why you need Notch’s loss of income insurance for your social media accounts - we’ll reimburse you for any money you’ve lost due to a hack or any other social engineering attack. Meanwhile our professional crisis management team will work around the clock to retrieve your account.

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Besides that, we'll check if any of your credentials have been released on the dark web, educate you on potential hacks, and teach you to protect yourself, all while monitoring your account 24/7 to alert you of potential breaches.

Question 3

What kind of insurance do creators need?

Answer

Social media influencers face a relatively great amount of risks that generally fall into two categories - lawsuits and hacks. Traditional insurance for creators usually includes general liability and commercial property coverage, which will help you avoid lawsuits. However, there was no way to secure your account from a threat like a hack, until now.

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Notch’s insurance will protect you from that second risk, allowing you to focus on your account, business, or brand without ever thinking about what you’ll do if you get hacked.

Question 4

What kind of policies does Notch offer for creators?

Answer

Notch currently offers loss of income insurance policies for creators’ and influencers’ Instagram accounts.

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Whether your niche is travel, fashion, lifestyle, fitness, business, or anything else, if you rely on your account as a source of income, you can become a Notch policyholder and insure your account. Keep in mind that we’ll be expanding to more platforms soon including TikTok, Youtube, Twitter, and more.

Question 5

How long will it take for my policy to become active?

Answer

It takes just minutes to purchase a policy online, and you’ll then receive it by Email. The policy becomes active by midnight the day of purchase or at the latest within one business day.

Question 6

Can I insure multiple accounts?

Answer

Yes, if you wish to insure more than one account you can purchase a different policy for each one with the same Notch account.

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In the future, we will offer insurance packages so you can insure your accounts across multiple platforms.

Question 7

How much does Notch Insurance cost?

Answer

We analyze each account based on its social media activity and engagement and come up with a price that works for you.

Question 8

How does Notch calculate my insurance cost?

Answer

Notch will reimburse you for the revenue you lost for up to 3 months. How? We give the appropriate coverage and determine an insurance cost based on how much income you make from your Instagram account.

Question 9

How can I cancel my Notch policy?

Answer

We're sad to see you go, but you can cancel your policy at any time by contacting us either through your personal dashboard or through our website.

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The policy will expire immediately once approved, but you’re welcome to return at any time and receive a new quote.

Question 10

Where is Notch available?

Answer

Notch is currently available in Arizona, Florida, and Illinois. We're working as hard as we can to make Notch Insurance available in other states.
Even if you don't reside in one of these states, go ahead and get a free quote and we'll inform you as soon as we're live in your state!

Question 11

When can I expect Notch to be available in my state?

Answer

Notch began as a startup, intending to expand globally and across the entire metaverse. We’re growing rapidly and putting in a lot of extra effort and technology to meet the various regulatory requirements in every state (and country).

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Our team is dedicated to getting Notch available to you as soon as possible, so you won’t have to worry another day about your accounts being hacked. Hang tight, we’re coming to you soon.

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Are we available where you live?
Get a free quote and find out!

Question 12

What is manual approval and why isn’t my policy automatically sent to me?

Answer

At Notch, we’re always working on our algorithm, in order to improve what we do for you and the way we insure your accounts. To do so, from time to time we manually go through the accounts that purchase a policy. By doing this, we can double-check our algorithms and improve our workflows, so we can offer a wider range of policies, and once in a while - disapprove certain policies that don't meet our guidelines.

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Basically, we do this so you can have the best experience with Notch. Don’t worry, we won’t charge you until we approve you, and anyways we’ll do so by midnight or within one day of your purchase.

Question 13

What does my policy include?

Answer

Once you are a Notch policyholder you will receive business interruption insurance, cybersecurity protection checkups, around the clock account monitoring against attacks, and crisis retrieval services for your account.

Question 14

Can I change my coverage?

Answer

If you’re looking to update your coverage you can do so by contacting our support team through our website. One of our agents will be in touch with you so you can go over your request to upgrade or downgrade your coverage together.

Question 15

What will happen to my policy if my account grows?

Answer

If your account’s value increases or decreases over time, you can upgrade your coverage to suit your needs. If for example a Notch policyholder’s income increases overnight, Notch will notify the policyholder that their policy can be upgraded for extra coverage. You can also let Notch know if you wish to change your policy when you see the need to.

Question 16

What’s not covered in Notch’s policy?

Answer

While we are dedicated to helping you by all means possible to gain access back to your account, we do not cover loss of access if the social media platform suspends your account, or while the platform’s services are down; in that case, you’ll have to wait.

Question 17

What types of accounts does Notch insure?

Answer

Currently, we insure accounts that meet the following criteria:

Accounts that use Instagram to generate a minimum amount of digital revenue, through sponsored posts or direct sales, for example
Public accounts
Accounts that meet our policy guidelines and Instagram’s Terms of Use‍

If you think that your account meets these requirements, get a free quote!

Question 18

How does the claims process work with Notch?

Answer

If your account gets hacked, a claim will automatically be filed. Once your claim is approved, our cyber experts begin working to retrieve your account and you’ll also start receiving daily payments based on your coverage (48 hours after the claim is made).

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For example, for coverage of $45K, you’ll get paid $500 every day until we recover your account or for up to 90 days.

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Question 19

How long will I be insured for if I get hacked?

Answer

When you buy your coverage, you’ll be insured for a year (even if you choose to pay on a monthly basis).

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If you get hacked, our team will start working on your account and you’ll get your daily payment based on your coverage for up to 90 days or until we can retrieve your account. After Notch is able to recover your account, you're still insured for the remainder of the year.

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Keep this in mind though: any insurance you have has an aggregate limit of liability which is the maximum total amount your insurance company will pay for all claims throughout your policy term. In our case, that term is one year and the aggregate limit of liability is the maximum coverage you are offered when you buy your policy.

Question 20

What if I get hacked while I’m not on my phone?

Answer

Thanks to Notch’s real-time monitoring, we will probably discover a hack before you even realize it. We’ll notify you right away and you will see it on your dashboard. So don’t stress out if you unplug for a few hours, because you can count on Notch to start investigating and working on your account before you even know it’s been hacked (and obviously we'll notify you).

Question 21

How can I make sure I don't get hacked and secure my account in a better way?

Answer

How to protect and secure your social media accounts:

Use a strong and separate password for your email and your social media accounts.

This way, if a hacker learns your Instagram password, for example, your email account is still safe. And when your email acts as your home base for all of your social media accounts, it’s best to use a different password.

Enable and use the two-factor authentication (2FA) app for all of your accounts. The app will make it difficult for a third party to log into your account. You can download an authenticator app in the app store.
Make sure you have social media insurance designed for creators → Notch Insurance - Start now

Question 22

How can I know I’ve been hacked?

Answer

One way of knowing you’ve been hacked is if you suddenly get locked out of your account and can’t use your credentials to log back in. Another could be changes made to your account - you might notice that your username, bio, password, etc. have been changed.

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Other than that, the hacker might contact you via Email or Whatsapp asking you for money in exchange for your account. Keep in mind that hackers don’t really care for your account, what they truly want is your money.

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How can you avoid this? Keep an eye out for social engineering attacks. If you get a text or an email from a source that seems fishy, don’t trust it right away. Be suspicious of unsolicited calls, emails, or texts asking you for information. Don’t directly follow these links and pay attention to the URL of the site.

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If you’re still suspicious, contact the actual company directly to check if the message that was sent to you is legit. Keep in mind that organizations like Instagram will never DM you, and you can always check all of the emails you've received from Instagram under the "security page" in your settings. For more information on how to protect yourself, → you can read this article on our blog.

Question 23

How do hackers hack accounts?

Answer

Hackers usually use phishing methods which is a type of social engineering attack. They contact people by Email or text and try to steal personal information by posing as a trustworthy organization in order to later hack into their accounts. Most of the time, people give away their username and password to these hackers without even realizing it.

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Imagine getting a DM from "Instagram's Help Center" telling you that a copyright infringement has been detected on a post of yours and that your profile will be disabled unless you click on a link, log into "Instagram" and "fix the "problem". Naturally, you would get scared if you are unaware of phishing attacks, and some people will click on the link and fill out their personal information, only to find out they later got hacked. In this case, the hacker opened a fake Instagram Help Center account and set a trap, hoping people would fall into it, which in many cases they do.

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If you want to see more phishing examples and learn how to protect yourself from them, we have an article all about it.

Question 24

Does regular cyber insurance not cover creators?

Answer

Cyber insurance policies are generally not the right solution for creators. They are usually overly complicated, cover a wide variety of risks that aren’t exactly needed by creators, and tend to be expensive given the solution you want.

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The main risk for digital assets is potential hacks, and therefore we specialize in assisting you to protect yourself from exactly that. We’ve developed a cyber-insurance policy, tailor-made for creators and SMBs, which protects your specific digital asset (e.g., a social media account or an eCommerce store) and its revenue stream.