Find the risk. Then take the right next step.

1.Do you publish commentary, reviews, interviews, podcasts, video, newsletters, or social content?

Publishing can create defamation, privacy, publicity, and intellectual-property claims.

2.Do you use third-party music, clips, images, guests, trademarks, or user submissions?

Permission and licensing problems usually belong in the media-liability and rights-clearance lane.

3.Do people pay you for coaching, courses, consulting, or individualized advice?

Paid or individualized advice can create a professional-liability exposure beyond ordinary publishing.

4.Do you hold customer data, subscriber records, payment details, login credentials, or private community data?

Account compromise, privacy events, ransomware, and business interruption can require cyber coverage.

5.Do you sell merchandise, supplements, cosmetics, food, equipment, or another physical product?

Physical products can cause bodily injury or property damage and may need separate products-liability review.

6.Do you host events, rent studio space, film on location, or have visitors at a workplace?

Physical operations create premises, event, and third-party injury exposures that media coverage does not replace.

7.Do you have employees, regular contractors, producers, editors, or assistants?

Workers compensation, employment practices, contracts, and rights ownership may need attention.

8.Do you need protection for content published before the new policy starts?

Existing libraries require a prior-acts conversation. Reposting old content is not a dependable workaround.