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Media liability insurance

What is media liability insurance? It's worth considering if you work in the media industry.

What you need to know

  • Media liability insurance protects those who distribute information against claims for physical injuries or financial loss caused by erroneous or negligent publication of material.
  • It is also known as communications liability insurance or multi-media liability insurance.
  • Media liability insurance provides cover from exposures such as defamation, invasion of privacy, factual errors and copyright or trademark infringements.

Who needs media liability insurance?

Anyone who distributes information to the public via websites, blogs, emails and desktop publishing needs media liability insurance. Professionals who benefit from a media liability insurance policy include:

  • Brand managers
  • Celebrities who make personal appearances
  • Graphic designers
  • Freelance journalists
  • Marketing and promotional companies
  • Online and interactive marketing companies
  • Public relations firms
  • Public speakers
  • Website developers
  • Electronic publishers
  • Cable and satellite broadcasters
  • Web hosters
  • Software developers.

What is the role of media liability insurance?

Media liability insurance is designed to fill the gaps not covered by traditional liability insurance, such as professional indemnity insurance. It can now be purchased as an addition to such insurances and addresses the specific exposures faced by media professionals.

One example of these exposures is those faced by consultants who design, build and host websites for their clients. They not only have traditional liability for duties owed to their clients, but now face new risks such as slander or libel, media and advertising liability and security liability for everything that happens on and to their website, from credit card fraud and misuse of email to third parties illegally accessing the site.

Finder survey: How often do people compare or switch their public liability insurance?

ResponseFemaleMale
I never compare or switch2.54%2.12%
once a year2.03%2.31%
once every 3+ yrs1.36%0.39%
every 2 yrs1.02%1.35%
more than once a year0.34%0.19%
Source: Finder survey by Pure Profile of 1112 Australians, December 2023

What does media liability insurance cover?

Covered

  • Defamation. Arising from the communication of false information that damages a third party’s reputation or business.
  • Personal disparagement. A publication or broadcast which causes damage to a third party’s community or business activities.
  • Product defamation. Demeaning the performance or value of a product.
  • Invasion or infringement of one’s right to privacy or publicity. This might include intrusion, public disclosure of private information, unwarranted or wrongful publicity or using a person’s name or likeness for profit.

Not Covered

  • Normal business activities pertaining to employment
  • Breach of contract
  • Patent infringements
  • Claims made by certain regulatory authorities.
document
Make sure you read the Product Disclosure Statement (PDS)
2022 Finder research shows that 23% of Australians can't be bothered reading the PDS. A PDS includes a comprehensive list of all the inclusions and exclusions of a policy.

Speak to a broker about media liability insurance


Frequently asked questions

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