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Media Liability insurance is a specialized form of E&O coverage that protects content creators and publishers from financial losses. It may cover legal defense costs and settlements if a third party sues over published content claiming issues like copyright infringement or privacy violations.
- Content creators & publishers: Publishers, podcasters, YouTubers, bloggers, and digital media companies
- Influencers & sponsoring brands: Social media influencers, brand ambassadors, and the brands that hire them
- Production & events: Production companies, event organizers, and filming crews
- Agencies & marketers: Marketing agencies, PR firms, and advertising teams
- Everyday businesses with a content footprint: Any business that publishes content as part of how it markets or serves clients — even if it doesn’t consider itself a “media company”
Media Liability Insurance with SPG
Policy Highlights
- IP & defamation protection: Protects against claims of copyright and trademark infringement, plus defamation/libel — the #1 reason media clients need this coverage
- Breach of contract: Covers legal liability if a client contract, license agreement, or endorsement deal is breached
- Bodily injury & property damage: Covers injury or property damage from filming, productions, or live events
- Sub-contractor liability: If a contractor’s mistake gets your client sued, this coverage has them protected too — included automatically
- Cyber protection: Covers data breaches, ransomware, phishing scams, invoice fraud, and extortion attempts
- Incident response: 24/7 expert response team plus an app to report a cyber incident the moment it happens
Endorsements & Add-Ons
- AI-generated content coverage: Many media liability claims today involve AI-created images, text, or video. This coverage doesn’t carve out AI content — it’s treated the same as anything else your client publishes.
- Endorsement deal protection: Covers the unique exposure when your client’s name or image is used in a paid endorsement or sponsorship — a gap most generic policies miss.
- Unauthorized use of others’ content: Protects influencers and creators even when a third party owns the photo or footage used — common, easy-to-make mistake.
- White-label product liability: If a client puts their name on someone else’s manufactured product (skincare, supplements, merch), they’re legally the “manufacturer” — and exposed to product liability. We help cover that blind spot.
- Contract best-practices guidebook: An easy-to-read guide that helps clients avoid common contract pitfalls before they become claims.
- Built-in cyber risk tools: Dark web monitoring, phishing email simulations, and network vulnerability scans — all included to help prevent a cyber claim before it happens
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