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Campaign Insurance

A cross-promotion is two people each promising to publish the other's post and leave it up for the agreed time. Insurance is how you make your side of that promise cost something if you break it:

If I break the rules of this campaign, pay my partner this much.

You set your own figure. Your partner sets theirs. Neither of you has to.

Two separate promises, not one policy​

This is the part that surprises people, so it is worth stating plainly: your cover protects your partner from you. It says nothing about what you are owed.

What it means
You set $20, they set $0You pay them $20 if you break the rules. They pay you nothing if they do.
You set $0, they set $20You owe nothing. They pay you $20 if they break the rules.
Both set $20Whichever side breaks the rules pays the other $20.
Neither sets anythingNothing is paid either way. The reliability penalty still applies.

A campaign where only one side insures is a perfectly normal campaign. The insured side is simply making the stronger promise — and the other side can see that before agreeing to anything.

This replaced a tier perk that nobody could price

Insurance used to be a single on/off switch, flipped on automatically when either party was on Elite or above, and the bot then paid the wronged side a flat $0.05 that neither of you had agreed to. Nobody chose it and nobody set it. That payout is gone. Your plan still matters — Elite, Master and Ultimate bundle the benefit and mark your campaigns 🛡️ Insured — but the number is yours now, and it is the website, not the bot, that moves it.

Setting your cover​

Your cover is a figure attached to your side of one campaign, in whole dollars, up to $500, or 0 for none — settable only while the campaign is still being agreed (awaiting a partner, awaiting confirmation, a new time proposed, or joined), never after. Your partner sees your figure the moment it is saved, and you see theirs. You can change your own as often as you like until confirmation; you can never change theirs.

You set it in the 🛡️ Campaign insurance panel on the campaign page: type a whole-dollar figure and press Save my cover. The panel shows both figures side by side, and once the campaign is confirmed it shows them Locked. The cover is stored on the campaign and settled by the website whether or not your plan bundles the benefit.

A Blitz has no cover panel: a Blitz is never settled from declared cover (see below).

When the figures lock​

Both figures freeze the moment the campaign is confirmed, and the campaign page says so.

This is what makes the promise real

If cover could be lowered after confirmation, a party could look at their partner's figure, decide to break the rules, drop their own cover to $0, and pay nothing. The lock is the whole reason a declared figure is worth anything to the person reading it.

Once locked, the figures stay exactly as they were agreed for the life of that campaign — including through the results, any dispute, and any verdict.

What counts as breaking the rules​

Removing your cross-post before the agreed end, or leaving your partner's channel before the run ends. The verdict comes from the delivery monitor — the Telegram bot — not from either party, and it is only reached after the monitor has confirmed the removal, or the departure, across two separate passes.

That two-pass rule matters more now that money moves on it. One unreadable check never triggers anything.

What happens when a verdict lands​

The bot records three things on the campaign: which side was at fault, the moment it confirmed it, and that an insurance claim now exists — whether or not either of you linked Telegram. It moves no money. The website's settlement sweep then does the rest, usually within a minute, and both sides are told in their notifications and by email:

  1. The party at fault has their own declared figure taken from their wallet.
  2. The other party is credited the same amount, withdrawable — it is compensation from another member, not promotional credit.
  3. The party at fault takes the usual reliability penalty on top — −1.50 for a removed post, −1.00 for leaving the channel — applied by the website from its published table, never by the bot.
It is collected whether or not the money is there

If the wallet cannot cover it, the debit still lands and the balance goes below zero. The account is then in debt, blocked from starting anything new, with 14 days to clear it — see Owing money.

Insurance that only paid out when the guilty party happened to be in funds would not be insurance, so there is no version of this where the wronged party is simply told bad luck.

It pays once. A re-run verdict, or two workers reaching the same campaign, cannot pay twice.

Three cases are deliberately never settled: a campaign whose figures were never locked (a number that could still change is not a promise), a Blitz (the per-party model is 1:1 — a Blitz has no single other side to pay), and a campaign where the monitor convicted both sides (there is no wronged party).

What each side sees, and when​

Both parties see both figures at every stage — before agreeing, while the campaign runs, and on the results page. There is no stage at which one side knows something about the cover that the other does not; hiding either number would make the feature pointless.

On the results page, a verdict shows the party at fault, the cover they had declared, and the exact amount that moved.

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