Who needs media liability insurance?
Anyone who makes money creating, publishing, broadcasting or advertising content. When a client, brand, network or distributor asks for proof of media E&O, that's your sign.
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Creators
Start here if you publish on your own.
Influencers
Sponsored posts, product claims and brand contracts.
YouTubers
Commentary, thumbnails and videos that stay up for years.
Streamers
Live, unscripted content that gets clipped.
Journalists
Reporting on real people, and the freelancer gap.
Advertising agencies
Campaigns, talent and client trademarks.
Publishers
An archive where every story stays live.
Musicians
Lyrics, videos, artwork and band names.
Music producers
Samples, loops and leased beats.
Podcasters
What your guests say, and the music you play.
Filmmakers
The E&O distributors require before release.
Digital marketing agencies
Social, SEO and paid content at volume.
Photographers
Releases, captions and license scope.
UGC creators
Content brands run as their own ads.
Also for high ticket sellers, course sellers, ecommerce sellers, affiliate marketers, writers and authors, newsletter writers and paid community owners.
Signs you need it
- You publish content about real people or companies.
- You use music, footage, photos or text you didn't create.
- You film, record or interview people.
- You make ads or content for clients.
- A contract asks for media liability, media E&O or errors and omissions coverage.
- You're in advertising, broadcasting or publishing, which general liability excludes. See the exclusion
Broadcasters
TV and radio stations, networks and cable are core media liability buyers. General liability's media exclusion names broadcasting and telecasting by name.
Small businesses
A business outside media still faces content claims from its blog, social posts and ads. If you publish heavily, run a podcast or make content for others, compare your general liability wording with a media policy. What it costs
Get a quote
Tell us what you make and where it goes. We'll match you with the right coverage.