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Contracts usually set the floor before exposure sets the ceiling. Platforms, distributors, brands, and publishers commonly name a limit and require additional insured status before they will run your work. Beyond that, the drivers are what you publish, how widely it travels, and how much of it is third-party or user-submitted material, since that is where infringement and defamation claims concentrate. Defense costs matter as much as the limit, because most content disputes are resolved on legal fees rather than damages.

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