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product guide >> media liability

Media Liability

The right to publish and broadcast freely is always in jeopardy. Just the threat of litigation can quickly silence a media company. Moreover, huge punitive damages awards can shake or destroy the financial base of any publisher or broadcaster, regardless of size.

Our Media Liability markets offer specialized coverage for a wide variety of media risks against the devastating impact of lawsuits for libel, slander, invasion of privacy, infringement of copyright and other specified torts. Our programs are backed by top-rated insurers, including but not limited to National Casualty Company and Gulf Insurance Company.

Media Liability Plus® offers specialized coverage for a wide variety of media risks against the devastating impact of lawsuits for libel, slander, invasion of privacy, infringement of copyright and other specified torts. This program is backed by A.M. Best-rated A+XV insurers, including National Casualty Company, and other members of the Nationwide® Insurance Enterprise.

Classes Written

  • Advertisers
  • Advertising Agencies
  • Authors
  • Book Publishers
  • Cable Operators
  • Magazine Publishers
  • Multimedia Companies
  • Newspaper Publishers
  • Personal Appearances by Celebrities
  • Radio Broadcasters
  • Radio, TV & Film Producers
  • Television Broadcasters

Forms & Limits

Two options:

a. Unlimited defense cost covered in
addition to the policy limits (available to
most insureds in most classes)
Carrier retains choice of counsel

or

b. Defense costs covered within policy limits
Insured chooses counsel subject to
carrier approval

Coverage Territory

  • Worldwide coverage
  • Non-U.S. media operations can be covered

Defense

  • Occurrence form
  • Punitive damages affirmatively covered where permitted
  • Limits up to $10,000,000 each loss/ $10,000,000 aggregate
  • Admitted and surplus lines policies available
  • Excess limits available to $5,000,000 for a total of $15,000,000

Policy Enhancements Available*

  • Coverage for errors & omissions arising out of the content of published or broadcast matter
  • Electronically transmitted information
  • Trademark coverage
  • No aggregate policy limits
  • Policy tailoring for unusual risks

*Policy Enhancements are available on an individual risk basis



Media Liability Applications

Advertiser's Liability
Advertising Agency Liability
Author Liability
Book Publisher Liability
Broadcaster Liability
Magazine Publisher Liability
Multimedia Liability
Newspaper Liability
Personal Appearance and Celebrity Liability
Radio, Television, and Film Producer Liability


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