Media Liability Insurance

We work in a digital age where huge amounts of information is consumed by people on a daily basis, via a variety of platforms. With that, comes more exposure to risks of litigation and claims for damages.

Media Liability helps protect media companies who can be exposed to liability claims arising from:

• Negligence
• Breach of Contract
• Breach of Copyright
• False and Misleading Statements
• Defamation (libel and slander)
• Intellectual Property Infringement
• Invasion of Privacy
• Trademark Infringement

Media liability insurance is vitally important to protect the businesses against both frivolous and justified claims for compensation. There are various types of media liability claims that can affect different industries, but here are a few examples of claims where the business could be liable:

Copyright infringement: A designer uses a design element from another brand or creator, the artist claims that you have stolen their design and looks to be compensated.

Intellectual Property Theft: Your business is accused of marketing a trademarked product without permission, breaching patent laws.

Incorrect marketing campaign complaint: You run a PPC (Pay per click) advertising campaign comparing your prices to your competitors. Your competitor claims the comparison is unfair and inaccurate and sues you.

Disgruntled employee – Publishes sensitive information about a client before leaving the company. The nature of the information meant the claimant was seeking damages for losses incurred since the publishing of information.

Liability insurance for media companies will offer protection against a wide range of contractual and tortious liability claims. The policy will typically be provided on a ‘civil liability’ basis which means the insuring clause will cover any third-party claims for damages in a civil court.

When speaking to our brokers about Liability Insurance, we may also advise an insurance programme that looks at (but is not limited to): Cyber Insurance Liability, Directors and Officers (D&O) Liability Insurance, Employers’ Liability Insurance, Public Liability Insurance, Property Insurance, and Contents Insurance.