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Media Liability Insurance
If you act as a media business, publisher, advertising agency, social media agency, video or film producer, or provide any other media service, your business should consider media liability insurance.
What is Media Liability Insurance?
In creative industries such as media, there’s often scope for misinterpretation, meaning that breakdowns in communication, unconscious bias, and misuse of content can and do happen, which can lead to liability claims and issues that need to be resolved.
Media Liability Insurance is a policy designed to cover you for legal costs and compensation of negligence claims whilst performing your duties as a media service provider.
Media liability insurance, or media insurance, is a packaged liability policy that covers businesses who provide media services to their clients. Publishers, broadcasters, producers, advertising, marketing and other media companies are exposed to a variety of liabilities including breach of contract, breach of professional duty, breach of copyright, defamation (libel and slander), misleading statements, invasion of privacy, intellectual property infringement, and trademark claims.
Media liability cover similar to professional indemnity (PI) insurance but they are not the same. Media Liability Insurance included covers that are only applicable to media companies.
Need Media Liability Insurance?
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What does Media Liability Insurance cover?
Nowadays, most businesses are publishers of some sort, therefore anyone who posts content online, or uses a logo or branding, should consider media liability insurance:
Content creators – Bloggers, vloggers, video content creators, photographers, videographers, and editing services
Media businesses – Publishers, broadcasting businesses, advertising agencies, PR agencies, and multimedia businesses
Other businesses – Any business that has a website or social media presence, or uses a logo or branding
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What’s Covered with 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.
Media Liability Insurance with Jensten Insurance Brokers
Alongside our Feefo reviews, we have a dedicated team of experienced Technology, Media and Cyber brokers with the experience and skills to create an insurance programme that includes Media Liability Insurance for your business.
We have media insurance brokers who will take the time to talk with you to create a tailored policy for your business, covering Media Liability Insurance for your professional risks and activities, as well as arranging other business insurances to cover your business risks, including property insurance, cyber insurance, management liability and fleet insurance.
For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.
Need Media Liability Insurance?
For comprehensive Media Liability Insurance
Media Liability Insurance
Media Liability Insurance FAQs
Do I need media liability insurance?
Media liability insurance is more important now than ever before, given the litigious environment, the implementation of digital technologies, the global reach of publications, and riskier strategies to grow the audience base.
Litigation—However careful we are, mistakes happen, and society is increasingly litigious and looking for opportunities to take advantage of. Claims for defamation, copyright infringement, invasion of privacy, and negligence are commonplace.
Geography – Digital content is effortlessly accessible, and widespread, with no geographical boundaries. Trends are emerging for riskier material with an emphasis on speed over accuracy.
High court awards – Providing content in today’s world is dangerous and open to potentially devastating claims that can destroy reputations and balance sheets.
How much media liability insurance do I need?
Determining how much media liability coverage your company will need can be difficult. Several different factors should be considered, including the number and size of your contracts, where your clients are located, under which law and jurisdiction your contracts are, whether you are working with contentious materials, and whether the cover is a requirement of a contract.
Talk to our brokers about your needs.
Is media liability the same as errors and omissions?
Media liability coverage is a type of errors and omissions (E&O) liability insurance designed for publishers, and other media-related firms. It is not the same as a full Professional Indemnity Insurance policy though, so it is worth speaking to our team to discuss your requirements.
