FAQs on Creator Protect & Risk Creators Face

FAQ on creator protect plan by Welance and the risks faced by creators
  1. What are the top 5 insurance policies must YouTubers and influencers have?

There are multiple policies that YouTubers and influencers can invest in. The top 5 ones that one should have are:

  • Professional Liability
  • Cyber Liability & Data Breach
  • Commercial General Liability
  • Media liability insurance
  • Business interruption coverage


  1. What is media liability insurance?

Media liability insurance protects individuals and organizations that produce media content against legal claims arising from their work. It provides coverage for various risks related to media production, including defamation, invasion of privacy, copyright infringement, and other types of intellectual property disputes.


  1. Why is it important to focus on regulatory concerns?

Regulatory concerns related to YouTube content include copyright infringement, privacy violations, and compliance with advertising guidelines. Content creators must ensure they have the rights and permissions to use any copyrighted material and comply with the platform’s policies. Failure to do so can result in legal action and potential liability for damages. YouTubers must also be aware of privacy laws and advertising regulations to avoid regulatory scrutiny.


  1. Do social media influencers need insurance?

Yes, social media influencers can greatly benefit from having insurance coverage tailored to their unique needs. As influencers continue to play a significant role in the digital landscape, they are exposed to risks that could have significant financial and reputational consequences. These risks include data loss, cyber-attacks, professional liability claims, and more. Without proper insurance coverage, influencers may be exposed to significant financial losses, legal liabilities, and damage to their reputation.


  1. What is media liability insurance?

Social media influencers may face various liabilities depending on their actions and the content they produce. Some common examples of liabilities that influencers may face include the following:

  • Intellectual property infringement
  • Defamation
  • Product or service liability
  • Professional liability
  • Contractual liability
  • Privacy violations
  • Endorsement or sponsorship disclosure violations
  • False advertising
  • Discrimination and harassment
  • Cyberbullying or online harassment


  1. What are the general exclusion in influencer insurance?

Influencer insurance policies typically contain general exclusions that exclude coverage for intentional or criminal acts, pre-existing conditions, and claims arising from the use of drugs or alcohol. The specifics of these exclusions may vary depending on the policy and provider. It’s important for influencers to carefully review their policy and understand the exclusions to ensure they have adequate coverage.


  1. How do you deal with cyberstalking?

Dealing with cyberstalking requires a multifaceted approach:

  • It is essential to document all instances of cyberstalking, including screenshots of messages, emails, and social media posts.
  • Report the stalker to the relevant social media platforms and seek assistance from law enforcement if necessary. It is also important to block the stalker and limit personal information shared online. Seeking support from friends, family, or a mental health professional can also help deal with the emotional toll of cyberstalking.
  • Considering obtaining social media insurance can provide financial and legal protection in case of legal action resulting from cyberstalking.


  1. What is insurance for social media influencers?

Social media influencer insurance is a specialized insurance product designed to protect influencers and creators from financial and legal risks associated with their online activities. It can cover various risks, including personal injury, intellectual property infringement, defamation, and cyberbullying. Social media influencer insurance can also cover the costs of legal defense, crisis management, and reputation repair. It is an essential tool for digital creators and influencers looking to protect their livelihood and reputation in social media’s fast-paced and ever-changing world.


  1. What does social media influencer insurance cover?

Social media influencer insurance can cover various risks, including personal injury, intellectual property infringement, defamation, and cyberbullying. It can also cover the costs of legal defense, crisis management, and reputation repair.


  1. What are the 6 ways cybercrime impacts business?

As the threat of cybercrime grows, businesses are increasingly vulnerable to various negative impacts. It can have devastating consequences for companies of all sizes. To protect themselves, businesses must take proactive steps to mitigate the risks of cybercrime. Here are the six ways cybercrime can impact businesses:

  • Financial loss
  • Reputational damage
  • Legal repercussions
  • Loss of intellectual property
  • Operational disruption
  • Increased cybersecurity costs

To minimize these impacts, businesses must prioritize cybersecurity and invest in robust systems and training programs.


  1. How does cybercrime impact society?

Cybercrime significantly impacts society, including financial loss, increased business costs, and reduced trust in digital systems. Additionally, cybercrime can have serious implications for national security, as cyberattacks can target critical infrastructure and disrupt essential services. Governments, businesses, and individuals must work together to combat cybercrime and protect against its negative effects.


  1. What are the biggest cyber security challenges to your business?

Businesses face several significant cybersecurity challenges in today’s digital landscape. Here are some of the most prominent ones:

  • Phishing and social engineering attacks that trick employees into divulging sensitive information
  • Ransomware attacks that encrypt company data and demand payment for its release
  • Advanced persistent threats (APTs) that infiltrate networks and remain undetected for extended periods
  • Supply chain attacks that target third-party vendors and suppliers with weaker security measures
  • Insider threats from employees or contractors who misuse their access privileges
  • Lack of cybersecurity awareness and training among employees


  1. Is impersonation on social media a crime in India?

Yes, impersonation on social media is a crime in India under various laws, including the Indian Penal Code, the Information Technology Act, and the Copyright Act. Punishment for impersonation can include imprisonment, fines, and other penalties. Victims can also seek civil remedies for damages caused by impersonation.


  1. How do you prove impersonation?

Proving impersonation generally involves providing evidence that the person or entity claims to be someone else. Evidence can include digital records, such as emails, social media posts, website content, witness statements, or other forms of documentation. It may also be necessary to engage the services of an expert witness, such as a digital forensics specialist, to provide testimony regarding the authenticity of the evidence.


  1. Can you sue someone for impersonating you on Instagram?

Yes, you can sue someone for impersonating you on Instagram. This impersonation violates Instagram’s policies and can be considered identity theft, a criminal offense in many jurisdictions. You may be able to pursue legal action against the impersonator for damages, including financial loss, emotional distress, and harm to your reputation.


  1. How do fraudsters use social media to steal?

Fraudsters use social media to steal in various ways, such as creating fake accounts or pages that mimic legitimate ones and then using these accounts to trick people into giving away personal information, financial details, or access to accounts. They may also use social engineering tactics, such as phishing emails or direct messages, to trick people into giving away sensitive information or money. Additionally, they may use social media to sell counterfeit goods, fake sponsorships, or other scams to trick people into paying for something that doesn’t exist.


  1. Do online fraudsters ever get caught?

Yes, online fraudsters can get caught, but it can be challenging for law enforcement agencies to identify and track them down. Many online fraudsters use sophisticated techniques to hide their identities and locations, making it difficult to trace their activities. However, with the help of advanced technology and cooperation between international law enforcement agencies, some fraudsters have been successfully caught and prosecuted.


  1. What are the most common internet frauds?

Some of the most common types of internet fraud include:

  • Phishing scams – where fraudsters send fake emails or messages to trick people into revealing personal information or money.
  • Fake online shopping sites – where fraudsters create fake e-commerce sites to steal money or personal information.
  • Investment scams – where fraudsters offer fake investment opportunities to steal money.
  • Identity theft – where fraudsters steal personal information to open credit accounts, make purchases, or commit other crimes.
  • Online auction scams – where fraudsters take money for goods that they never deliver.
  • Fake social media profiles – where fraudsters create fake profiles to scam people into giving away money or personal information.


  1. What is a digital asset creator

A digital asset creator produces digital content, such as videos, music, artwork, or other forms of media. They rely on their digital assets as a primary source of income and must protect them to maintain their value and ensure continued success in the digital marketplace.

  1. What are digital assets in social media?

Digital assets in social media refer to the content that individuals or businesses create and share on social media platforms. These can include text, images, videos, graphics, and other forms of media. Protecting these assets is crucial to maintain their value and ensure continued social media success.

  1. How do you create a digital asset?

Creating a digital asset involves using software and tools to produce and save digital content that can be shared and distributed online.

  • Determine the purpose and target audience for the asset
  • Choose the appropriate software and tools for creating the asset
  • Plan and organize the creation process, including timelines and deadlines
  • Be creative and experiment with different ideas and techniques
  • Test and refine the asset to ensure quality and effectiveness
  • Save and back up the asset regularly to prevent loss or damage
  • Consider using online platforms to distribute and promote the asset to reach a wider audience.
  1. How do ransomware attacks work in your personal account?

Ransomware attacks typically occur through phishing emails, malicious website downloads, or infected removable storage devices. Once the ransomware infects your device, it encrypts your files and demands a ransom payment in exchange for the decryption key.

  1. What are the two 2 main types of ransomware?

The two main types of ransomware are “Locker” and “Crypto.” Locker ransomware locks you out of your device, while Crypto ransomware encrypts your files and demands payment to decrypt them.

  1. How do hackers use ransomware?

Hackers use ransomware to gain control over a victim’s computer or network and demand a ransom payment to restore access. This can involve encrypting files on the device or locking the user out of their system entirely. Once the ransom is paid, the attacker may or may not provide the decryption key or unlock the system, as there is no guarantee that the victim will comply with the demands. In some cases, the attacker may simply take the money and disappear, leaving the victim with no recourse to recover their data or system access.