Media Liability Insurance for Advertising & PR Professionals

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Find the best media liability insurance policy

Media liability insurance coverage is a must if you create content today. Most small businesses have a presence online or in the media - websites, social profiles, advertising, and marketing campaigns. Anything you publish has inherent risks. There is the potential for lawsuits and liability if you make false claims, errors, and mistakes or publish wrong information that causes harm to others. Media liability insurance protects your business if legal action is taken against you related to the content you publish.

At ThinkInsure, our commercial insurance brokers will help you find the right coverage and ensure you have proper protection against media liability claims. Compare quotes from the top insurers in Canada and get a better rate.

Key takeaways about media liability insurance

Media liability coverage is recommended for any company that works with, creates, shares, or manages media assets.
You can typically find a policy for less than $100 per month.
Your coverage needs vary based on the media products and services you offer.

What is media liability insurance?

Media liability protects your business from the inherent risks of publishing digital and print content. It is a type of professional liability or errors and omissions insurance coverage. It covers you if a third party accuses you of negligence, leading to a financial loss. For example, you published incorrect information about another business, which caused them to lose revenue.

Why do you need media liability insurance?

If you publish any form of content, you have some liability exposure. This is especially the case for digital content creators and publishers. You could face legal issues if you make a mistake, publish erroneous content, defame a third party, or act negligently. Innocent or not, media liability will cover your legal representation.

Media liability insurance in Canada extends beyond the protections included in commercial general liability insurance coverage.

Types of companies that need media liability insurance

The argument can be made that all companies could use media liability coverage, even if you already have a business insurance policy. Some specific companies and professionals need it because working in media is inherently part of their work. Here are the main types of companies that should have a media liability policy:

Professional associations
Advertising agencies
Broadcasters
Copywriters and editors
Consulting firms
Digital marketing agencies
Direct marketing firms
Film production
Freelance media consultants
Marketing consultants
Graphic designers
Market researchers
Media buyers
Digital publications
Photographers
Print news companies
Public relations (PR) firms
Videographers
All types of publishers

What does media liability insurance cover?

cameraman and assistant filming a woman in the studio.

Media liability coverage is specifically designed to protect your business from liability stemming from the publication or communication of media. It protects you from claims of negligence, errors, mistakes made, and the resulting financial loss. You’ll receive legal representation and funds to cover legal settlements.

Here’s a list of what media liability covers:

Negligence
Slander
Errors and omissions
Mistakes
Copyright
Trademark infringement
Plagiarism
Oversights
Missed deadlines
Breach of contract
Privacy breach

Examples of how media liability insurance coverage works

Example 1: Incorrect information published on a client blog

Your marketing agency was hired to create a series of blog posts for a client. After publication, it was discovered that incorrect information was included in the posts. The client took legal action to recover lost revenue from the errors in the blogs. Your media liability policy covers your legal fees and settlement expenses.

Example 2: CEO comments result in slander claims

Your CEO was quoted in an industry publication. They made comments criticizing one of your top competitors. The competitor took legal action against you for slander. Your policy will cover your legal fees to fight the legal challenge.

Example 3: Missed deadline for advertising posts

A client hired your advertising agency to create and publish a series of holiday ads. The account manager made a mistake when scheduling the ads to go live. They didn't go live as anticipated, causing a delay. The client claims they lost revenue as a result. They sue you for lost revenue. Your policy will help cover settlement and legal fees.

How to get media liability insurance quotes

Shop for media liability insurance by following these simple steps:

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How much does media liability insurance cost?

Media liability insurance costs can range from approximately $70 to $90 per month or $840 to $1,080. Premiums can be higher or lower depending on the perceived risk of your company being sued.

This cost will be in addition to your other commercial insurance policy. Some insurers can package this coverage with other liability protection. Speak with our commercial insurance brokers to get a quote for media liability coverage based on your company's specific needs.

What factors affect media liability insurance rates?

Media liability premiums will fluctuate based on the following factors:

Your level of risk of being sued or filing a claim
Industry, profession, services offered
Size of your organization
Number of employees
Annual revenue
Years in operations and experience
Location
Insurance claims history

How can I lower media liability insurance premiums?

An effective risk management plan is the best strategy for lowering media liability rates. Companies that invest in employee training programs and have well-defined media usage policies lower their risk of filing a claim. Have strict guidelines for employees' publishing materials, messaging, media management, and social media usage.

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2024-11-28

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2024-11-27

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Media liability insurance FAQs

How much media liability insurance do I need?

Media liability policies start at $1 million in coverage; you can choose policies up to $3 million or higher. Higher limits are recommended if you have a larger organization or a greater financial loss potential if you are sued.

Is social media included in media liability insurance?

Yes. Policies include employee use of social media for business purposes. This also includes all other forms of digital media and online activity. Some limits may apply depending on your insurance provider.

I already have commercial general liability coverage - do I still need media liability insurance?

If you run a company that creates, publishes, or works in media, you will need media liability coverage in addition to commercial general liability (CGL) coverage. It offers additional and more specific coverage related to your media use and interactions.

Get a media liability insurance quote today

Get the best media liability insurance policy from Canadian insurers. We offer many options regardless of your industry or the type of media products and services you offer.

Get a quote today and save more! Call toll-free 1-855-550-5515 or request a quote online.

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Media Liability Insurance

Compare media liability insurance quotes and protect your business with the best coverage.