Media vs cyber
Media liability vs cyber liability
Cyber insurance protects your data and systems. Media liability protects what you publish. Most content businesses need media liability, and many need both (CreatorSure covers both).
Side by side
| Media liability | Cyber liability | |
|---|---|---|
| Built for | Claims over your content | Data breaches, network attacks, extortion |
| Typical claims | Defamation, copyright, trademark, privacy, likeness | Leaked customer data, ransomware, downtime, breach notices |
| Who comes after you | People and companies in or copied by your content | Customers whose data leaked, and regulators |
| Timing | Claims arrive years after you publish | Claims arrive and settle faster |
The add-on
Why a cyber "media" add-on falls short
- Digital only. Print, broadcast and podcasts fall outside it.
- One shared limit. A ransomware claim can use it up before a defamation suit arrives.
- The wrong exclusions. Cyber forms exclude intentional conduct, and defamation is an intentional tort.
Both?
Do I need both?
If you hold customer data or take payments, that's a cyber exposure (which CreatorSure covers). If you publish, that's a media exposure. Most digital marketing agencies and publishers have both.
Get a quote
Tell us what you make and where it goes. We'll match you with the right coverage.