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Why Creators Are Buying Their Own Insurance Policies Against Platform Risk
In this episode, Lucas and Luna explore the growing trend of creators buying their own 'platform risk insurance' — bespoke policies that pay out if a creator's main channel is demonetized, shadow-banned, or shut down. They trace the rise of these policies, from early 'income protection' riders to today's specialized underwriters, and unpack a specific case: a mid-sized YouTuber who collected a payout after a mysterious algorithm change tanked her views for months. They also discuss how creators are turning to surplus lines insurers — the same market that covers…
The skinny
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