From First Quote
To Every Renewal
Three stages that follow the policy: a quick check before you quote, a full audit once you bind, and a focused refresh at every renewal.
See a sample reportThree Stages,
One Policy Lifecycle
Talk through your book
Quote Check
Run the moment a submission lands. A fast, focused scan tells underwriting whether music risk is present before the quote goes out.
- You share the applicant's website, company name or social handles
- Our AI scans their main social accounts for music in every post
- Our specialist team checks the flags and rates the risk
- The rating goes on the file before you quote
- A music risk rating for the submission file
- The posts that were flagged
- A clear steer: proceed, refer, or order a Full Audit
Full Audit
The complete audit of an insured's social footprint. Our AI checks every post and our specialist team verifies every flag, so the file holds evidence rather than estimates.
- We map every social account the insured posts to
- Our AI checks the music in every post, back to day one
- Specialists verify each flag and identify the song, artist, music label and publisher
- Findings are compiled into an audit report and a remediation list
- Every flagged post with the evidence behind it
- A risk rating per account and overall
- A remediation list the insured can act on
Renewal Audit
A focused refresh on the accounts already audited, so renewal terms rest on how the insured is posting now.
- Ahead of renewal, we revisit the accounts from the Full Audit
- Our AI checks everything posted since the last audit
- Specialists verify any new flags
- Results are set against the previous audit
- An updated risk rating
- What changed since the last audit
- Evidence ready for renewal pricing
Inside Every Stage
Submit the insured
Send the insured's website, company name or social handles. No access to their accounts is ever needed.
AI scans every post
Our AI, built from the ground up for music copyright on social, checks the audio in every post in scope.
Specialists verify
Our specialist team reviews every flag, so only confirmed findings reach your underwriting file.
You act on it
Quote, refer, endorse or renew with evidence. Findings are never shared with any music label.
What's Inside Every Report
Request a sampleMusic risk score
A single 0–100 score, benchmarked against businesses of the same size and industry, ready for rating plans and referral rules.
Track-by-track findings
Every potentially unlicensed track identified, with the post it appears in and the artist, music label and publisher behind it.
Statutory damages model
Modelled exposure from $750 to $150,000 per work under US statutory damages, so the worst case is a number, not a guess.
Licence gap analysis
What the business has licensed, what platform terms actually cover commercial use, and where the gaps are.
Platform breakdown
Risk split by TikTok, Instagram, YouTube, Facebook and X — including influencer and franchisee accounts posting on the brand's behalf.
Renewal delta
What changed since the last scan: new tracks, removed posts, rising view counts — the movement that should move your pricing.