Every time a piece of content that you create goes out into the world, you open yourself up to the risk of a liability claim. Of course we don’t say this with the intent to discourage you from following your dreams, rather to let you know that you need to put the right protection plan in place for the journey.
We recommend that our members of the media and entertainment industries consider Media Liability coverage, also known as an Entertainment Professional Liability (Errors & Omissions) policy.
When your job is to produce countless hours (or pieces) of content to entertain others, sometimes people will take it the wrong way. Don’t leave yourself, or your work, open to risk.
What parts of your business are protected?
- Breach of Confidentiality
- Breach of Scope of a License
- Intellectual Property Infringement
- Invasion of Privacy
- Unfair Competition
What is a “claims based” insurance policy?
Claims based policies must be brought within the policy period. Professional Liability policies, like Media Liability policies, are written claims made form.
What types of content are covered under a media liability policy?
Content can include (but isn’t necessarily limited to) scripted & reality television, movies, cartoons, books, newspaper and internet articles, blogs, internet videos, memes, and various forms of music. If you have a project that isn’t on this list, give us a call anyway and our team can let you know what a custom policy might look like for you.
Wouldn’t a good General Liability policy be enough to cover me?
While there is a personal and advertising injury section under a typical commercial general liability, it is for basic claims and not nearly as comprehensive as the media liability policy. For example, a General Liability policy excludes professionals in the media space. Also if you’re in a media position, your General Liability policy will almost always exclude personal and advertising injury leaving you with no protection.