What it covers
What does media liability insurance cover?
It covers claims that your content harmed someone, and it pays for your defense and covered settlements up to your limit. Here's what that looks like in practice, and where the coverage stops.
Covered
What's covered
| Claim | What it looks like |
|---|---|
| Defamation (libel and slander) | Someone says your post, episode, video, article or ad said something false that hurt their reputation. |
| Product disparagement | A company says your review or commentary falsely attacked its product. |
| Copyright infringement | A photographer, label, publisher or creator says you used their work without a license. |
| Trademark infringement | A brand says your name, logo, title or content misuses its mark. |
| Invasion of privacy | Someone says you exposed private facts, intruded on them, or showed them in a false light. |
| Right of publicity | Someone says you used their name, face or voice commercially without permission, including in AI-generated content. See how AI deepfake insurance works. |
| Plagiarism and stolen ideas | Someone says you took their idea, format or text. |
| Negligent publication | Someone relied on information you published and says it cost them. |
| Breach of confidentiality | You revealed something you promised a source or partner to keep private. |
| Defense costs | Your lawyers, from the first demand letter. |
Not covered
What it doesn't cover
- Injuries and property damage. That's general liability (which CreatorSure covers).
- Patents and trade secrets. Media policies cover copyright and trademark, not patents.
- Data breaches, hacks and ransomware. That's cyber insurance (which CreatorSure covers). Media vs cyber
- Contract disputes, such as unpaid license fees or royalties you owe.
- Claims you knew about before the policy started.
- Proven fraud or criminal acts.
- Going after people who steal your work. Media liability defends you. Fight Back copyright enforcement insurance helps you go after them.
- Your products and services. A product you promoted that hurts someone needs product liability (which CreatorSure covers). Faulty client work needs professional E&O (which CreatorSure covers).
Before you buy
What to check in a quote
- Limits, per claim and in total.
- Your deductible.
- Whether defense costs reduce your limit.
- Whether older content is covered.
- Who picks your lawyer and who decides to settle.
- Whether claims filed outside the US are covered.
- That the policy names what you actually make: podcasts, video, social, print, client ads.
See how it applies to podcasters, YouTubers, publishers and ad agencies.
Get a quote
Tell us what you make and where it goes. We'll match you with the right coverage.