Insurance Checklist

Version 1.0 · Effective November 10, 2026

1. Why

Each brand company indemnifies experts for its products, its marketing and any change to approved claims (Agreement, clause 10.1). That promise is only as good as the money behind it. Insurance makes sure an indemnity claim by an expert, or a lawsuit naming the expert, is actually funded. Experts also ask for it, and their own malpractice insurance usually does not cover endorsement or advertising work.

2. Brand company checklist

#	Check	Why it matters
1	Product liability cover in force (general liability with products and completed operations, or a standalone product liability policy).	Covers bodily injury claims from the product, including claims that name the expert.
2	Territory and jurisdiction include the United States, including suits brought in the US.	Many EU policies exclude US and Canada sales or US court jurisdiction by default.
3	Advertising and media cover: “personal and advertising injury” or a media liability policy covering false advertising allegations, misappropriation of name or likeness, and right of publicity claims.	Covers claims arising from ads that use the expert's name or likeness.
4	Contractual liability: the policy covers liability assumed under contract (the indemnity to experts) or the indemnity is listed as an insured contract.	Without it, the insurer may refuse to fund the brand's indemnity to the expert.
5	Additional insured: experts can be added as additional insured (for example a designated person or organisation endorsement) for claims arising from the brand's products and advertising.	Gives the expert direct rights under the brand's policy.
6	AI and digital replica exclusions checked (if AI avatars will be used).	Some media policies exclude AI-generated content or synthetic media.
7	Limits adequate for US exposure (recommend at least USD [1,000,000] per occurrence and USD [2,000,000] aggregate; to be confirmed with broker).	US defence costs alone can be significant.
8	Defence costs outside limits, or limits sufficient to include them.	Prevents defence costs eroding cover.
9	Notice obligations: the brand must notify the insurer of any claim involving an expert.	Late notice can void cover.
10	Certificate of insurance provided to the platform and updated at renewal.	Evidence for the registry and for experts who ask.

Not insurable in most cases: regulatory fines and penalties (for example FTC civil penalties), and costs of correcting advertising. These remain the brand's own risk under the Agreement.

3. Platform operator checklist (UAB Spine Revolution)

#	Cover	Why
1	Professional indemnity / technology errors and omissions	Claims that verification, the registry or takedown tools failed.
2	Cyber and data breach cover	Expert identity, licence and NPI data are sensitive.
3	General liability	Standard business cover.
4	Directors and officers liability (optional)	Management decisions about the platform.

4. Expert-side cover (being quoted)

An errors and omissions policy that names experts as additional insured for their review and endorsement work on the platform is being quoted.
Until it is in place, experts rely on the brand's indemnity and the brand's policies listed above.
Experts should be told, in the onboarding materials, that their personal malpractice policy may not cover endorsement work.

5. Brand insurance record

Field	Entry
Brand company
Insurer and broker
Policies and policy numbers
Limits (per occurrence / aggregate)
Territory includes US suits (Y/N)
Contractual liability covers expert indemnity (Y/N)
Experts can be added as additional insured (Y/N)
AI / synthetic media exclusion (Y/N)
Certificate received (date)
Renewal date
Checked by, date