Questions to Ask Before Recommending Coverage to a Creator Client

Ask how the creator makes money and what could go wrong before you recommend anything. Coverage depends on eligibility, underwriting, policy forms, limits, exclusions and the creator's actual operations, so the questions come first.

This post is about the coverage conversation after you've qualified the prospect. For that first call, see The First Questions to Ask a Creator Prospect.

What Questions Should You Ask?

• What do you do, and who pays you for it?
• Do you sign contracts with brands or clients?
• Has anyone asked you for proof of insurance?
• What gear do you use for paid work, and what's it worth?
• Do you hire crew, subcontractors or employees?
• Do you shoot on location or work events?
• Are you relying on a personal policy for business work?

How Do the Answers Guide You?

Each answer points to an area to review. StudioGuard helps agents start the right conversation around professional liability, general liability, gear-related exposures and cyber-related questions, subject to eligibility, underwriting review and available program options. Some exposures may need other policies, so let the forms and the review decide what applies.

What Should You Avoid Saying?

• "You're fully covered."
• "This covers everything."
• "You definitely qualify."
• "You don't need anything else."

Try this instead: "Let's look at how you make money and what risks may need to be reviewed."

FAQ

Who makes the final call? You and your client, based on the review and the policy forms.

Where can I learn about StudioGuard's options? See What Are StudioGuard's 6 Layers of Protection? and the StudioGuard program page.

What Should You Do Next?

Finish your CoverCore profile so you're ready when the right creator client comes along: complete your profile. Questions? Email Stuckey's team at proquotes@stuckey.com.