Media Liability Insurance

Media Liability Insurance

From public relations consultants to digital publishers, ensure that you’re protected with the right media liability coverage.

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Insurance for media liability risks

In today’s digital world, all small businesses are de facto media publishers. With the tremendous opportunity of publishing a broad range of content online to share your knowledge and promote your products and services comes the inherent risks of allegations of or third-party lawsuits related to false advertising, libel, slander, or copyright infringement.

Any content you create and publish digitally or in print can subject you to claims of wrongdoing. From webpages, blogs, videos, and webinars to social media posts, graphics, podcasts, advertisements, and articles, companies in all industries face the possibility of legal action for the content they produce. However, a comprehensive media liability insurance policy from Zensurance can shield your organization against these challenges.

Media liability insurance is a customized policy designed to protect your small business’s digital and printed media risks. It is a form of professional liability or errors and omissions (E&O) insurance that may provide financial support if faced with allegations or lawsuits on the marketing and communications materials you publish and distribute.

You can tailor your media liability insurance coverage to suit your business’s needs. Typically, an extensive coverage for a media liability insurance policy includes:

  • Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability protects your organization’s professional services from claims of negligence and errors and its media and advertising initiatives if facing an allegation of libel, slander, defamation, disparagement, or copyright infringement.
  • Commercial General Liability (CGL) Insurance: CGL is designed to provide financial support if your company faces a third-party bodily injury or property damage claim or lawsuit, whether at your business property or offsite at a customer’s location. Commonly called ‘slip and fall’ insurance, CGL covers injuries or damages to third parties, allegations of false advertising or defamation, and may include product liability insurance for any product you manufacture, distribute, or sell.
  • Cyber Liability Insurance: Must-have protection for any small business or self-employed professional conducting business online or exchanging and storing confidential information. Cyber liability insurance is designed to provide financial support if you suffer a data breach or cyber-attack.
  • Legal Expense Insurance: Legal expense insurance is an inexpensive endorsement you can add to your media liability insurance policy. It provides you with funds for a wide range of issues, including seeking legal advice from an experienced lawyer to address challenges such as tax audits, employment disputes, debt recovery, client contract disputes, and statutory business license protection.

Speak to a Zensurance insurance expert about your concerns and get answers to questions about what your policy should contain and the amount of coverage you require.

Different insurance providers charge different premiums for media liability policies they provide based on your business’s details and risk profile, including:

  • The industry you’re in and the services and products you provide
  • How many employees you have
  • Your business’s location and size
  • Your annual and projected revenue
  • Your years of experience
  • Your insurance claim history

Media liability insurance is a necessity for a broad range of professions and organizations, including:

Getting insured is quick and easy!

Complete our 5-minute online application for a free media liability insurance quote.

Common claims scenarios

professional blogger writing on laptop

Problem: You publish a blog on a topic designed to promote your company’s services that quote a well-known consultant in your industry. However, the consultant claims you quoted her out of context and sued for defamation..

Outcome: Your professional liability insurance may cover the cost of your legal defence and any compensation settlement ordered by the court or agreed to outside of court.


Problem: You inadvertently open an attachment in an email sent to you that turns out to be a phishing attack. The cybercriminal gains access to your email database and sends phishing emails to your clients.

Outcome: Your cyber liability insurance may cover the cost to repair and restore your affected software systems, provide funds for credit monitoring services, legal advice, crisis management services, and pay for notification expenses.

live podcast recording

Problem: You participate in a third-party podcast discussing a controversial topic affecting your industry. During the podcast, you highlight a competitor’s actions that you criticize. Your competitor sues you for slander.

Outcome: Your professional liability insurance may pay for your legal expenses and any compensation awarded to the plaintiff by the court.

Frequently asked questions

How can I keep a media liability insurance policy premium as low as possible?

By implementing risk management best practices across your organization. For example, if your company uses social media to promote your services, establish a social media policy and incorporate it into your employee training. You can help mitigate your media liability risks by setting guidelines for acceptable behaviour.

Do I need professional liability and commercial general liability insurance to protect my business from allegations or legal challenges related to the content we distribute?

It is recommended to have both professional liability and commercial general liability insurance as part of your policy to ensure you have no gaps in your coverage.

Does a media liability insurance policy cover my business for all available and future digital communications avenues?

Yes. A media liability insurance policy acquired through Zensurance covers your marketing, advertising, and other public communications online and offline, regardless of the type of content it is or where it is published.

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Safeguarding your small business and full-time employees against the multimedia liability risks you face in our hyperconnected world calls for an in-depth risk management strategy founded on a comprehensive media liability insurance policy.

Get the protection you need by filling out an online application for coverage from Zensurance. Our licensed brokers will get the policy you need at an affordable cost from one of the more than 50 insurance providers in our partner network, allowing you to publish your content confidently.