Do I still need an Umbrella License if I have "cut the cord" and access content from local over-the-air broadcasts and/or streaming players or apps that stream content from my phone to the big screen?
Yes, in fact, the Umbrella License is even more valuable to you in a cord-cutting scenario, where you do not get any public performance rights via a cable or satellite business package. The Umbrella License provides public performance rights for our rights holders' content that is shown in public from any source that is legitimate (i.e., not pirated) and originally intended for personal use only, including from broadcast TV and streaming sites. A public performance license is needed when that broadcast or streamed content is shown on a public screen, and that's exactly what the Umbrella License provides.