We need 3 types of insurance. Day 1 post money:

• D & O
• Media
• Professional
• General Liability

For a two-founder content creator holding company with $1M in funding and freelancers instead of direct employees in Year 1:

• From The Hartford:
  • Directors & Officers (D&O) Insurance → $6K–$10K/year
• From Thimble:
  • Professional Liability (E&O) Insurance → $500-$750/year
  • Media Liability Insurance → $500-$750/year
  • General Liability Insurance → $500-$750/year
  • Total for these three → ~$2K/year

Total Annual Insurance Cost: $8K–$12K

(A reasonable ballpark estimate)