07 — 12 / 16Six Real Files
What the standard market
doesn't pay.
Six creator scenarios. Real bills. What CFC and Beazley settle — and what GMG actually writes a cheque for. Scroll the file.
Scenario No. IYouTube · 1.8M subs
The hacked creator
A phishing attack wipes the channel. Eight weeks locked out. Sponsors pause. AdSense stops.
The Bill
- Lost AdSense
- £12,000
- Lost sponsorship
- £18,000
- Recovery costs
- £4,000
- Total loss
- £34,000
CFC
Cyber response only
Beazley
Cyber response only
GMG
Cyber + full income replacement
Scenario No. IIPodcast · Top 100
The false allegation
A baseless online allegation circulates. No lawsuit — but sponsors quietly walk and audience trust collapses.
The Bill
- Lost sponsorships
- £25,000
- PR costs
- £7,500
- Legal advice
- £5,000
- Total loss
- £37,500
CFC
Limited
Beazley
Some PR support
GMG
PR + legal + income replacement
Scenario No. IIITwitch · Partner
Wrongful platform ban
An automated moderation system incorrectly suspends the account for 45 days. The appeal works — but the revenue is gone.
The Bill
- Lost subs
- £6,000
- Lost donations
- £3,000
- Lost sponsorships
- £8,000
- Total loss
- £17,000
CFC
No claim
Beazley
No claim
GMG
Income interruption claim paid
Scenario No. IVInstagram · Brand advocate
The sponsor walks away
An impersonator account posts false content tagging the brand. The brand panics. The contract terminates.
The Bill
- Lost sponsorship
- £50,000
- Investigation costs
- £5,000
- PR costs
- £10,000
- Total loss
- £65,000
CFC
Limited
Beazley
Potential PR support
GMG
Sponsor income protection + PR
Scenario No. VTikTok · 1.2M followers
Coordinated trolling
A coordinated harassment swarm targets the creator. Sponsors get nervous. Revenue drops.
The Bill
- Investigation
- £8,000
- PR
- £12,000
- Lost sponsorships
- £20,000
- Total loss
- £40,000
CFC
Little cover
Beazley
Limited PR support
GMG
Investigation + PR + income protection
Scenario No. VIFitness · IG + YT
The injured creator
A wrist injury mid-training. Three months off camera. No workouts filmed, no brand deliverables, no income.
The Bill
- Lost platform income
- £15,000
- Lost sponsorship
- £20,000
- Total loss
- £35,000
CFC
No cover
Beazley
No cover
GMG
Income protection benefit paid