What Is Media Liability Insurance?

Professional liability insurance is a must for those in the communications field. It covers a variety of potential claims that might otherwise cost all of a company’s resources in legal fees. Here is an explanation of what media liability insurance covers.

What Does It Cover?

Professional liability insurance protects a company from the legal fees associated with simple yet costly mistakes by its employees. The following are examples of claims it would cover:

  • Defamation, libel, or slander
  • Invasion of privacy
  • Copyright infringement and plagiarism
  • Breach of contract

Whom Does It Cover?

An insurance agent can write a policy to protect as many people as necessary. You can cover your entire company or any of the following:

  • Subsidiaries
  • Employees
  • Upper management
  • Contractors

What Types of Businesses Are Eligible?

Dedicated media companies obviously need this type of protection. However, anyone who has a website or uses newsletters, email campaigns, or advertising flyers could benefit. Here are a few examples of types of businesses that regularly invest in media liability insurance:

  • Advertising
  • Broadcasting
  • Graphic design
  • Software development
  • Telemarketing

Media liability protects against much more than the average slip-and-fall claim that general liability covers. Talk to your insurance agent about how to customize a policy for the specific type of media work you do.