What is covered by Media Liability Insurance?
Depending on coverage offered, not all media liability policies are created equal. Insurers’ policies often vary while some businesses need a customized plan to suit their specific requirements. Media liability coverage includes the following but may not be limited to:
Defamation – often arising from false information, defamation is damaging another person, product, group, or business reputation. When false statements are verbalized, they are called slander. But when they are printed in words or images, it is then classified as libel.
Plagiarism – defined as the practice of taking someone else’s work or ideas and passing them off as one’s original work. Because ideas are often similar in some ways, plagiarism is a possible media liability claim that media creators can face. Even if there is no copyright, as long as it is proven that the content is made by someone else, you can be held legally responsible for using content without authorization or creating substantially similar content.
Copyright Infringement – if you reproduce, distribute, perform, or display a protected work without permission, you are violating the exclusive rights of the copyright holder. Just like plagiarism, copyright infringement is a common risk in the world of media and entertainment.
Invasion of Privacy – common for reporters, entertainment writers, and celebrity followers, invasion of privacy is the unjustifiable intrusion into the personal life of another without proper consent. It includes disclosing his or her private information, publicizing the person in a false light, or using his or her name for personal gain.
Other media liability claims that may be covered by your policy are emotional distress, negligent supervision, and personal disparagement. On the other hand, media liability insurance typically excludes the following circumstances:
- Breach of contract
- Patent infringements
- Claims made by regulatory authorities
- Normal business activities relating to employment