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Media LiabilityInsurance Directory
Audiences

Who needs media liability insurance?

Five corporate audiences, and what insurers say about writing coverage for them. This page describes how insurers position their products. It is educational, not advice about whether a company should buy coverage.

Audience

Publishers

Publishing is the original media liability exposure: newspapers, magazines, book publishers, and digital outlets putting words and images before the public. Insurers name publishers among the core classes their media liability products address, and describe coverage for journalists, news publishers, and media outlets. Defamation, copyright and trademark infringement, and invasion of privacy arising from published content are the perils these products are built around.

Audience

Broadcasters

Television and radio broadcasting puts content before mass audiences on a schedule, which concentrates the exposure. Insurers name broadcasters, including radio, cable and television broadcasters, among their target classes, and describe specialized coverage for broadcast media. The same content-based perils, defamation, IP infringement, and privacy claims, recur across these descriptions.

Audience

Production companies

Film and television production has its own long-standing E&O tradition. Insurers list media E&O and film and entertainment E&O with target classes including documentaries, feature films, and TV programs, and describe coverage for film and program producers, film, program, video and home entertainment distributors, and production companies. Production, distribution, and exhibition are the stages these products contemplate.

Audience

Advertising agencies

Agencies create and place content on behalf of clients, which puts another party's brand at the center of the exposure. Insurers list advertising agencies and advertisers among their target classes. Campaigns, endorsements, and sponsored content are the activities these offerings contemplate.

Audience

Media organizations

The market also writes broader media enterprises. Insurers describe errors and omissions solutions for traditional and non-traditional media organizations, list multimedia companies among their target classes, and aim media and entertainment products at media professionals and entertainment-focused businesses. Multi-platform publishing and converged media businesses sit inside these descriptions.

A note on fit: insurer target classes describe whom insurers market to, not whom they will insure or who needs coverage. Whether media liability insurance fits a particular company depends on its activities, contracts, and risk tolerance. For guidance about a specific situation, consult a licensed insurance professional or attorney. This site does not give advice, quotes, or recommendations.
Sources

What this page relies on

  1. [1] IRMI: publishers liability: https://www.irmi.com/term/insurance-definitions/publishers-liability
  2. [2] IRMI: broadcasters liability: https://www.irmi.com/term/insurance-definitions/broadcasters-liability
Method: audience descriptions are drawn from the target classes and industry targeting insurers publish for their products. No inference beyond what insurers state.

Informational only. This site is an educational resource. It is not insurance advice and not an offer to sell insurance. Coverage descriptions summarize how media liability insurance is generally presented; actual coverage depends on the terms, conditions, limits, retentions, and exclusions of the policy as issued. For guidance about your situation, consult a licensed insurance professional or attorney.