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Media liability insurance protects you against faulty publishing or advertising for claims like defamation, invasion of privacy or copyright infringement. But this policy can come with a variety of exclusions and terms that may affect how you’re paid in a settlement.
Take care to understand details like whether punitive damage is covered or whether you’re responsible for retracting the harmful media.
Media liability insurance is a form of error and omission insurance designed to protect people and businesses who publish content through websites, social media, newspapers, television or radio broadcasts. Some types of standard liability insurance include limited media liability or allow coverage as an add-on.
While media liability policies can be tailored to your specific needs, typical areas covered include:
Policies can start as low as $500 up to several thousand dollars a year, depending on several factors, including:
Anyone who distributes information to the public via websites, blogs, emails or other forms of publishing face similar risks to traditional media. Professionals who may benefit from a policy include:
Typical exclusions in a media liability policy might include:
Insurers may include their own set of guidelines that are different from another company offering this type of insurance. Before relying on your media liability policy, make sure you understand the coverage and exclusions in your specific policy.
You can buy either a claims-made or occurrence media liability policy. The type of policy influences whether or not claims from prior media exposure get coverage.
Media liability policies can come with terms and conditions that can affect how much you’re protected in a lawsuit. Those terms include:
Those in the media’s eye face a broad range of legal risks. While media liability insurance was designed for traditional publishers and broadcasters, it’s turning into a must-have for a wide range of professions from digital marketing agencies to celebrities.
Because each policy differs based on the company’s offerings, weigh the benefits of different business insurance providers before settling on one.
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