Media & Advertising Liability covers risks like copyright infringement, defamation, and misappropriation in advertising or published content. Essential for marketing firms, publishers, and media creators.
Media & Advertising Liability Insurance
What Is Media & Advertising Liability Insurance?
Media & Advertising Liability Insurance protects companies against claims of defamation, copyright infringement, invasion of privacy, plagiarism, or misappropriation arising from content or advertising activities. It’s critical for businesses that produce content — whether that’s digital, broadcast, print, or social media — especially in a world where viral mistakes can result in lawsuits.
Who Needs Media & Advertising Liability Insurance?
Every piece of content you publish carries risk — a wrong image, slogan, or post can lead to legal action from competitors, artists, or private individuals. This policy helps shield your business from the cost of defending your brand and your message.
Common industries that often require Media & Advertising Liability Insurance include:
- Marketing, PR, and ad agencies
- Media publishers and bloggers
- Influencer networks
- SaaS and tech platforms with user-generated content
- In-house marketing teams
What Does Media & Advertising Liability Insurance Cover?
Media & Advertising Liability Insurance typically covers:
- Libel and slander
- Copyright or trademark infringement
- Misappropriation of likeness
- False advertising or deceptive marketing claims
- Plagiarism
- Invasion of privacy in content or promotions
What Doesn’t Media & Advertising Liability Insurance Cover?
While Media & Advertising Liability Insurance offers broad protection, it doesn’t cover:
- Bodily injury or property damage
- Claims of fraud or intentional misconduct
- Patent infringement
- Employment-related disputes
- Data breaches (covered by Cyber)
How Much Does Media & Advertising Liability Insurance Cost?
The cost of Media & Advertising Liability Insurance varies based on factors like business size, industry, location, and claims history.
Key Cost Factors:
- Type and volume of media created
- Platforms and audience size
- Prior IP claims or lawsuits
- Revenue and content approval processes
Typical Cost Range:
- Content creators: $500–$2,500/year
- Small agencies: $500–$2,500/year
- Mid-size media firms: $5,000–$15,000/year
- Large agencies or platforms: $25,000+/year
Risk Management Tips
To minimize potential claims:
- Conduct legal reviews of all public-facing content, including ads, blogs, and videos.
- Avoid using third-party content (images, music, trademarks) without written permission.
- Establish a documented internal content approval workflow.
- Train creative and marketing teams on copyright and defamation law basics.
- Maintain disclaimers and terms of use on public-facing media.
- Monitor user-generated content closely if hosted on your platform
Talk to An Expert
Our dedicated experts are ready to provide tailored insurance solutions to clients across a wide range of industries and specialized services.
Schedule a consultation to see how Alliance Risk can reduce your insurance risk.
– We look forward to partnering with you.