What the standard market
doesn't pay.
Six creator scenarios. Real bills. What standard market insurers settle — and what GMG actually writes a cheque for. Scroll the file.
The hacked creator
A phishing attack wipes the channel. Eight weeks locked out. Sponsors pause. AdSense stops.
- Lost AdSense
- £12,000
- Lost sponsorship
- £18,000
- Recovery costs
- £4,000
- Total loss
- £34,000
The false allegation
A baseless online allegation circulates. No lawsuit — but sponsors quietly walk and audience trust collapses.
- Lost sponsorships
- £25,000
- PR costs
- £7,500
- Legal advice
- £5,000
- Total loss
- £37,500
Wrongful platform ban
An automated moderation system incorrectly suspends the account for 45 days. The appeal works — but the revenue is gone.
- Lost subs
- £6,000
- Lost donations
- £3,000
- Lost sponsorships
- £8,000
- Total loss
- £17,000
The sponsor walks away
An impersonator account posts false content tagging the brand. The brand panics. The contract terminates.
- Lost sponsorship
- £50,000
- Investigation costs
- £5,000
- PR costs
- £10,000
- Total loss
- £65,000
Coordinated trolling
A coordinated harassment swarm targets the creator. Sponsors get nervous. Revenue drops.
- Investigation
- £8,000
- PR
- £12,000
- Lost sponsorships
- £20,000
- Total loss
- £40,000
The injured creator
A wrist injury mid-training. Three months off camera. No workouts filmed, no brand deliverables, no income.
- Lost platform income
- £15,000
- Lost sponsorship
- £20,000
- Total loss
- £35,000