“I already have general liability.”
Good. Keep it. But GL usually is not the clean answer for being sued over what you published. Media liability is about content claims, not someone slipping at a shoot.
Objection handling
Fast answers to creator coverage objections.
Use these to keep the conversation grounded in risk, not fear-mongering. Calm beats panic. Panic sells like garbage and creates cleanup work.
“The platform protects me.”
The platform protects the platform. It may remove content, suspend you, or comply with a takedown. That is not the same thing as defending you in a lawsuit.
“My sponsor handles legal stuff.”
Sponsor contracts often push responsibility back to the creator for claims tied to your content, disclosures, rights, or performance. We should not assume the sponsor is your insurance policy.
“I am too small to get sued.”
Maybe. But smaller creators still get demand letters, takedowns, and legal threats. The issue is not only losing a lawsuit. It is paying to respond correctly.
“I use licensed music/photos/clips.”
Great, but we still want to know what rights you have, where you sourced assets, whether licenses cover commercial use, and whether contractors create anything for you.
“I just give opinions.”
Opinions are usually safer than factual allegations, but creators often mix both. ‘This product is trash’ is different from ‘this company is committing fraud.’ That line matters.