01The Problem
Talent is
a business.
Four numbers that explain why creator management is the next category insurance has to invent. Existing wordings stop where creator risk begins.
$250B
Creator economy by 2027
Goldman Sachs
70%
Reliant on one platform for >50% of income
Patreon / Linktree
1–4 wks
Typical manual-review window after a hijacked or disabled account
Instagram Help Center appeal timelines; cf. Telegraph, Dec 2023
£0
Income replacement under standard wordings
CFC / Beazley
02The Market Gap
Sued? Covered.
Losing it all? Not covered.
The gap isn't liability — it's the loss of the business itself. Here is what the standard market actually pays vs. what GMG underwrites.
Coverage
CFC
Beazley
GMG
Cyber response
＋
＋
＋
Liability defence
＋
＋
＋
Lost income replacement
—
—
＋
Sponsor walk-away
—
—
＋
Platform ban / wrongful suspension
—
—
＋
PR & reputation rebuild
—
partial
＋
Personal injury / wellbeing
—
—
＋