FAQ

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

What types of social media accounts can be insured?

Answer

Social media insurance can be purchased for various accounts, including personal and business accounts that use social media to generate a minimum amount of digital revenue.
You can cover your Instagram, Youtube, and Twitch channels with Notch Insurance. Get a quote to check your eligibility today!
We're doing our best to launch on more platforms as soon as possible, and soon you'll be able to insure Facebook, Twitter, TikTok, and OnlyFans.

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Question 2

What is social media insurance and what does it cover?

Answer

Social media insurance protects businesses, creators, and individuals from losses related to their social media accounts, such as hacking, suspensions, copyrights, and demonization. It typically covers financial losses, legal expenses, and crisis management services.

Our policy only covers account takeovers (hacks). The policy does not cover suspensions unless it results from your account getting hacked.
I will say that even though you will not be entitled to the reimbursement and suspensions are not covered, we will try our best to help you regain access.

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Question 3

Can TikTok insurance cover losses due to account suspension by TikTok?

Answer

Currently, Notch Insurance only cover loss of access due to hacks, though we are working on a new product to protect your account from accidental bans and suspensions by TikTok.

Question 4

Do I need insurance for my TikTok account?

Answer

TikTok insurance is typically for individuals or businesses that have a TikTok account and use it for marketing or communication with customers.

It is designed to protect an account from financial losses from hacked due to online risks such as social engineering, Phishing, SIM swapping and more.

It is important for individuals or businesses to consider TikTok insurance if they rely on the platform for marketing, or their online buisness,.

Question 5

How much does TikTok insurance cost?

Answer

Starting from $8/month - We will offer you a customized insurance plan and price based on your TikTok account's activity, views, followers, and brand partnerships

Question 6

What is covered under a TikTok insurance policy?

Answer

The coverage provided by Notch Social Media Insurance for TikTok accounts covers loss of income for three months in case you get hacked.

Our insurance packages include the following:
1. Loss of income: Reimbursement for income lost due to a hack that prevents access to the TikTok account.
2. Account retrieval & Crisis management in case you got hacked.
3. 24/7 Account monitoring against hacks.
4. Darkweb scanning for data leaks.

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Question 7

What is the process for filing a claim for a hacked Twitter account?

Answer

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

For example, with $45K in coverage, you will receive $500 per day until your account is recovered or for up to 90 days. Protect your account and your income with our comprehensive coverage and expert support."

Question 8

Who needs insurance for a Twitter account?

Answer

Anyone who relies on Twitter for their livelihood or has a significant presence on the platform may want to consider insurance for their Twitter account. This includes Twitter influencers, online business owners, and content creators.

If you use Twitter to generate income, promote your brand, or share your work with a large audience, insurance for your Twitter account can help protect you from losses due to hacking, cyber attacks, or other online risks.

Question 9

How much does insurance for a Twitter account cost?

Answer

Based on your Twitter account's activity, tweets, views, extensions, followers, and any brand partnerships, we will determine a price that works for you with tailored coverage.

Policies start from $8/month - Join the wait list today!

Question 10

What does insurance for a Twitter account cover?

Answer

Notch Social media Insurance for Twitter accounts covers loss of income related to a hacked account.

Here’s what you’ll get by insuring you Twitter account with Notch Insurance:

24/7 real-time monitoring of your account and alerts of suspicious activity
A team working around the clock to help retrieve your account
Daily payments if you get hacked - up to $1,100 per day

Question 11

Do I have to give out my personal credentials to connect my Twitch account?

Answer

Not at all! There isn't any information you would be giving out to us that isn't already public. The only thing we need from you before you begin to apply for a quote, is to connect your Twitch account to Notch through Twitch's Official API.

This is so we can give you a quote that would best work for you and your channel. This again, will not give us any personal credentials, it would only allow us to make sure your account is truly in your possession, so we can notify you in case we notice something suspicious like a potential hack.

Question 12

Why should I insure my account if I have 2FA?

Answer

While 2FA (two-factor authentication) is important and we highly recommend adding that extra layer of protection, it’s not always enough and lots of accounts still get hacked despite having 2FA enabled.

2FA can help prevent a significant amount of hacks because while the hacker can use social engineering to obtain your password, getting the time-restricted code can be tricker, but hackers have already found a way around it. This includes using a mix of social engineering, technical manipulation, and sim swapping attacks to trick you into giving them your code. We have a whole article going into depth about how multi-factor authentication is not completely unhackable here.

If you want to protect your account in the best way possible, you need two-factor authentication AND insurance for your Instagram account.

Question 13

Why is two-factor authentication important?

Answer

Two-factor authentication (2FA) is basically another layer of protection for your account. Regarding hacks, 2FA can make the job harder on a hacker because while it might be easily possible to obtain your password, getting the time-restricted authentication code is a bit trickier for them. Basically, using another way of identification can help you keep control of your account, and statistics show that almost 50% of the hacks could have been prevented by using unique passwords and 2FA. Therefore, we recommend everyone enable 2FA (even if you have insurance).

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But! If you want to protect your account in the best way possible, you need two-factor authentication AND insurance for your Instagram. Start now

Question 14

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 15

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 16

Why am I not eligible for a quote?

Answer

There are certain criteria that decide whether an account is eligible or not. Accounts that do not match the eligibility criteria exactly may not be fit for a quote, at least at the moment. These include:

Account owners not residing in the current live states
Private accounts
Accounts that don’t generate a minimum revenue for coverage
Accounts that go against Instagram’s Terms of Use

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Keep in mind that we are always working and improving our underwriting guidelines, meaning even if you’re not eligible today, you may be eligible for insurance in the future! Once we notice you’re eligible for a quote, we’ll send you an email letting you know.

Question 17

Where is Notch available?

Answer

Notch is currently available in 46 states - Alabama, Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming
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 go live in your state!

Question 18

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 19

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 20

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 21

How much does Instagram 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.

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Policies start from $8/month. Get a free quote and find out!

Question 22

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 23

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 24

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 25

What is the cancelation policy?

Answer

You can cancel your policy online at any time before the renewal date without any fees by contacting us and letting us know you would like to cancel. This can be done either through your dashboard online or by contacting our support team.

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You'll receive a full refund for the remaining of your policy term and your policy will expire immediately once canceled - but you’re welcome to come back at any time to receive a new quote.

Question 26

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 27

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 28

Is my information kept private?

Answer

Your privacy is important to us. Therefore, we will never share or sell your personal information to any third party for any reason.

Also, your payment information is not stored in our database and is passed directly to the card issuer (100% PCI compliance). You can read the full privacy policy .

Question 29

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 30

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 31

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).

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

Question 32

How does the claims process work?

Answer

To file a claim, go to your personal dashboard as soon as you notice a hack, slide the “I got hacked” button, and answer a few questions. Our team will start investigating your case and then one of our representatives will contact you to collect some more information. They will advise you on the next steps and tell you exactly what’s going to happen with your claim from there. You will also be able to directly contact the representative throughout the entire process for any questions or requests you may have.

Question 33

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 34

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 35

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 36

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 37

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 38

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 39

Can I cancel my coverage at any time during the policy period even if I pay annually?

Answer

Yes, while the policy period is one year, you can pay monthly or annually, choose to cancel at any time, and receive a full refund for the remainder of your policy term.

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If you pay yearly, you will get a full refund guarantee and you'll save 5%.

Question 40

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 41

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 42

Do I have to give out my Instagram credentials to get covered?

Answer

The only information we ask of you is your Instagram username, and this is so we can give you a quote that would best work for your account. There isn’t any information you would be giving out to us that isn’t already public.

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After going through the steps of getting a quote, if your account is eligible, you can then decide if you want coverage for your account, and then you would connect your Instagram account to Notch through Instagram's Official API. This again, will not give us any personal credentials, it would only allow us to make sure your account is truly in your possession, so we can notify you in case we notice something suspicious like a potential hack.

Question 43

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.

Question 44

Are bans and suspensions by Instagram covered?

Answer

Our policy only covers account takeovers (hacks), suspensions are not covered by the policy, unless it was a result of your account getting hacked.
Even though you will not be entitled to the reimbursement, our crisis management team will do our best efforts to help you regain access.
We are working on a new product to protect your account from accidental bans and suspensions by Instagram.

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