Producer talk tracks
Short scripts for producers. Use them as-is, then stop talking. The more you freestyle coverage promises, the more the E&O goblin starts sharpening knives.
“You are not just buying insurance for a small business. You publish content for a living, which means you have media-company exposure. I want to make sure the policy we discuss actually responds if someone sues over something you posted.”
“General liability is mostly built for bodily injury and property damage. It is not the clean answer for defamation, copyright, privacy, right of publicity, or sponsored-content disputes. Those are publishing risks.”
“Before we ask you for a full insurance application, we can run a public-profile scan to spot obvious media liability issues. It is not underwriting, but it helps us avoid surprises.”
“Two creators with the same revenue can have totally different risk. A cooking channel and a financial advice channel are not the same underwriting problem. Content category matters.”
“If there are prior takedowns, demand letters, platform strikes, regulated advice, minors, adult content, or heated callout content, I want to refer it before promising coverage.”