Start a marketing risk register

I work in marketing at an insurance broker. Help me start a simple risk register for our marketing.

Context: The common failures are an unapproved promotion, a cover claim that the wording does not support and a renewal message that goes out with the wrong price.

Before you start, ask me for anything missing from this list:
- The channels we use
- Who approves what today
- Anything that has gone wrong before

Then:
1. List what could go wrong on each channel.
2. Rate each by likelihood and harm.
3. Name an owner and a check for each.

Give me:
- A table of risk, likelihood, harm, owner and check
- The three to deal with first

Rules:
- Use only the facts I give you. Where something is missing, write [detail needed]. Never invent a number, a name, a quote or a source.
- Give general information about insurance only. Never say that a particular person or business is covered, never suggest a claim will be paid, and never call a price the cheapest or the best.
- Write in plain English, in our voice if I have given you a sample.
- Do not tell me what the rules or regulations say. If something may be restricted, flag it and I will check.

Finish with a list headed "Check before this goes out". Include these, plus anything else our compliance officer or whoever approves financial promotions should see:
- Who approves each channel today, including any principal firm
- Where approved promotions and consents are recorded
- Staff posting about products or claims from personal accounts