Publishing something is the exposure. Media Insurance places the coverage that answers a defamation letter, a rights dispute, or a claim over what a piece of work did, alongside the gear and the shoot.
Editorial, client work, owned content, and live production each carry different exposure. The program starts from what you actually publish and for whom.
Media liability answers for the content and errors and omissions answers for the service. Agencies that both advise and publish need the two read together so a claim cannot fall between them.
Venues, studios, networks, and client contracts ask for proof before the shoot date. Standard certificates issue in minutes through the portal, with no per-certificate fee.
It responds to claims arising from what you publish or broadcast: defamation, invasion of privacy, infringement of copyright or trademark, and similar allegations, including the legal defense. General liability forms exclude most of this, which is why it is placed separately.
They overlap and are often written together, but they answer different questions. Media liability responds to the content itself. Errors and omissions responds to the professional service: a missed deliverable, a campaign that fails to perform as contracted, a mistake in the work. Agencies that both advise and publish usually need the two read against each other so nothing falls between them.
A typical production program covers equipment on location and in transit, third-party property damage at the location, general liability for the shoot, and workers compensation for cast and crew. Venues, studios, and municipalities generally require a certificate naming them as additional insured before the shoot date, which is the request that most often arrives with no time to spare.
Yes. Who holds the rights, who carries their own coverage, and how contractors are classified all affect both the media liability wording and the workers compensation audit. It is a question we ask up front rather than at renewal.
This site is an outreach desk of Delegance LLC, a licensed commercial insurance brokerage (NPN 21282686).
Media Insurance is an outreach desk of Delegance LLC, a licensed commercial insurance brokerage. We write to publishers, agencies, and production companies whose public information suggests their program may not match what they actually produce.
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