Specialized Protection and Features

We have developed one of the most comprehensive media liability policies currently available for authors, book publishers, broadcasters, cablecasters, celebrities/public figures/public officials, distributors, magazine publishers, media trade associations, multimedia companies, and producers - the Media Advantage Policy®. We’ve also developed special policies for newspaper publishers, advertisers and advertising agencies - the Newspaper Advantage Policy®, the Advertiser Advantage Policy®, and the Advertising Agency Liability Policy.

The Media Advantage Policy® was reviewed and revised by industry experts - in-house counsel and risk managers for media companies, insurance brokers and media lawyers. New technology and emerging media exposures have mandated a change in the traditional media liability policy, and most policies have not kept up with the times. Check to see that your current policy provides coverage for:

• Open perils (protection against liability for causes of action that are not enumerated in the policy)
• Contextual errors and omissions
• The insured’s web site and blogging activities
• Broad definition of "loss"
• Worldwide coverage for claims
• Broad definition of "occurrence"
• Liability assumed under contract for media content furnished by the insured
• Negligent supervision claims
• A choice of coverage forms-defense costs within the limits or in addition to the limits - provides flexibility to the insured
• Insureds empowered with the authority to:
  • control the decision to correct or retract content
  • protect confidential sources and the materials provided by such sources
  • extend coverage to leased employees, agents and independent contractors

If your current insurer or insurance market react to changes in the marketplace by adding overly-broad endorsements, it may be time to make a change.

Advertiser Insurance
Broader coverage matching today’s challenges.

The Advertiser Advantage Policy® provides specialized coverage for the risks associated with advertising a company’s own products or services. Whether advertising in cyberspace or on Main Street USA, this policy anticipates advertising exposures, such as copyright, misappropriation of likeness and product disparagement. These claims often involve a competitor and can be expensive, complex and hard fought. Make sure that you have the best coverage and in-house media specialists on your side.

The Advertiser Advantage Policy® was designed by First Amendment and intellectual property lawyers with more than 125 years of combined experience in advertising liability. New technology and emerging media exposures arising from progressive and diverse professional services and innovative advertising have mandated a change in the traditional advertiser policy. Check to see that your policy:

• Provides coverage for personal and advertising injury perils, including but not limited to defamation, trade libel, right of publicity, outrageous conduct, infliction of emotional distress, unfair competition and copyright infringement
• Provides coverage for negligent supervision of an employee when arising from named perils
• Provides coverage for punitive or exemplary damages where allowable by law and as determined by the insured
• Provides coverage on an occurrence basis thereby covering advertisements created and/or displayed during the policy term regardless of when the claim is made
• Worldwide coverage for claims
• Does not require an "utterance or dissemination" of an advertisement for coverage to attach as claims can arise from the mere creation of advertising
• Provides broad definition of "Advertising"
• Does not exclude comparative advertising
• Provides broad definition of "Insured," including temporary or leased personnel
• Provides coverage for the Insured’s Internet advertising content
• Provides coverage for covered claims that arise anywhere in the world
• Provides severability as to representations set forth in the application
• Coverage broadening endorsements available for an additional premium include:
  • Trademark Extension Endorsement - provides coverage for trademark infringement and related claims
  • Contextual Errors & Omissions - provides coverage for errors or omissions in the content of advertising that results in monetary damage to a third party

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Advertising Agency Insurance
Broader coverage matching today’s challenges.

Advertising agencies perform in a fast-paced and competitive environment where clients seek to push the creative envelope further with each campaign. From the incubation of an idea to the placement of the advertisement, the risks - and the pressure to perform - are significant. Few media companies face greater exposure to expensive and time consuming litigation than advertising agencies; the agency’s credibility with the client always hanging in the balance. The Advertising Agency Liability Policy provides advertising agencies with the coverage they need to maintain their competitive edge while protecting their assets and preserving business relationships.

The Advertising Agency Liability Policy was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in advertising agency liability. New technology and emerging media exposures arising from progressive professional services and innovative advertising have mandated a departure from the traditional media liability policy. Check to see that your policy:

• Provides coverage for personal and advertising injury perils, including but not limited to, defamation, trade libel, right of publicity, outrageous conduct, infliction of emotional distress, unfair competition and copyright and trademark infringement
• Provides coverage for negligent supervision of an employee when arising from named perils
• Provides coverage for punitive or exemplary damages where allowable by law and as determined by the insured
• Provides coverage on an occurrence basis thereby covering advertisements created and/or displayed during the policy term regardless of when the claim is made
• Does not require an "utterance or dissemination" of an advertisement for coverage to attach as claims often arise from the creation of advertising
• Provides broad definition of "advertising"
• Coverage available for defense costs in addition to the policy limit
• Does not exclude comparative advertising
• Limits up to $10,000,000 available
• Provides broad definition of "Insured," including temporary or leased personnel
• Provides coverage for the Insured’s Internet advertising content
• Provides coverage for covered claims that arise anywhere in the world
• Provides severability as to representations set forth in the application
• Provides coverage for advertising professional services
• Does not exclude treble damages relating to covered intellectual property perils, such as trademark infringement and related unfair competition
• Coverage broadening endorsements include:
  • Broad Form Errors and Omissions providing coverage for bodily injury and property damage arising from advertising content
  • Commercial Printing providing coverage for the third-party printing operations of the insured

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Author Insurance
Broader coverage matching today’s challenges.

An author faces immense pressure balancing the contractual requirements of the publisher with his or her personal rights. Publishing contracts often dictate the author’s insurance requirements, such as minimum liability limits, and may also require the author to cover the amount of the publisher’s self-insured retention. Our experienced underwriters and claims staff are available to assist the author and his or her insurance specialist before the deal with the publisher is inked. We’re also available to recommend experienced media attorneys, who are available to vet manuscripts, at a discounted rate.

The Media Advantage Policy® was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in this specialized insurance field. New technology combined with an emerging media liability landscape has mandated a change in the traditional media liability policy. We think that the Media Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the very best coverage and service - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel
• Does not contain a "buy-out" or "hammer" clause
• Provides coverage for deceptive trade practices and fraud - if the underlying act was approved by counsel or authorized supervisor
• Provides coverage under certain circumstances for publishing claims made against the Insured by employees
• Does not exclude coverage for violation of criminal statutes if the underlying act was approved by counsel
• The insured is empowered with the sole editorial discretion in deciding whether to correct or retract media content, to protect the identity of a confidential source or to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as printers, distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for breach of oral agreement or confidentiality arising from the failure to maintain the confidentiality of a source or materials furnished by a source
• Provides coverage for the failure to portray a source or subject in a certain manner or light
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for expenses incurred in responding to a correction or retraction request
• Provides coverage for the Insured’s Internet activities, such as blogging
• Provides coverage for editorial decisions to deny or limit access to scheduled media - in other words, there need not be an utterance or dissemination of "matter" for coverage to attach
• Provides coverage for negligent supervision of an employee
• Provides coverage for claims arising from newsgathering activities - there need not be an utterance or dissemination of "matter" for coverage to attach
• Makes available coverage for defense costs in addition to the policy limits
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Broad Form Errors and Omissions - provides coverage for bodily injury and property damage arising from the content of scheduled media
  • First Amendment Advantage Endorsement - provides coverage for responding to a First Amendment restraint, such as a seizure of the insured’s property or a government action restricting media access to proceedings, meetings and other information. Also provides coverage for defending an FCC indecency or obscenity action
  • Subpoena Defense Coverage - provides coverage for legal expense incurred in answering, objecting or otherwise responding to a subpoena
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as e-commerce
  • Newsgathering Prior Acts Endorsement - provides coverage for newsgathering committed prior to the policy inception date
  • Commercial Printing Coverage Endorsement - provides coverage for the printing operations of the Insured for third parties

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Book Publisher Insurance
Broader coverage matching today’s challenges.

Book publishers need specialized coverage underwritten by professionals who understand the dynamics of the publishing industry, including the relationships with authors. Insurance coverage should be placed well before galley copies are distributed to reviewers. Exposure to defamation, invasion of privacy and newsgathering torts are significant in this field. Because the involved plaintiff is often a public official or other well-known figure, the litigation will be high profile and the legal expense - high dollar. First Amendment concerns are paramount requiring experienced in-house insurance counsel.

The Media Advantage Policy® was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in this specialized insurance field. New technology combined with an emerging media liability landscape has mandated a change in the traditional media liability policy. We think that the Media Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the very best coverage and service - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel
• Does not contain a "buy-out" or "hammer" clause
• Provides coverage for deceptive trade practices and fraud - if the underlying act was approved by counsel or authorized supervisor
• Provides coverage under certain circumstances for publishing claims made against the Insured by employees
• Does not exclude coverage for violation of criminal statutes if the underlying act was approved by counsel
• The insured is empowered with the sole editorial discretion in deciding whether to correct or retract media content, to protect the identity of a confidential source or to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as printers, distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for breach of oral agreement or confidentiality arising from the failure to maintain the confidentiality of a source or materials furnished by a source
• Provides coverage for the failure to portray a source or subject in a certain manner or light
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for expenses incurred in responding to a correction or retraction request
• Provides coverage for the Insured’s Internet activities, such as blogging
• Provides coverage for editorial decisions to deny or limit access to scheduled media - in other words, there need not be an utterance or dissemination of "matter" for coverage to attach
• Provides coverage for negligent supervision of an employee
• Provides coverage for claims arising from newsgathering activities - there need not be an utterance or dissemination of "matter" for coverage to attach
• Makes available coverage for defense costs in addition to the policy limits
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Broad Form Errors and Omissions - provides coverage for bodily injury and property damage arising from the content of scheduled media
  • First Amendment Advantage Endorsement - provides coverage for responding to a First Amendment restraint, such as a seizure of the insured’s property or a government action restricting media access to proceedings, meetings and other information. Also provides coverage for defending an FCC indecency or obscenity action
  • Subpoena Defense Coverage - provides coverage for legal expense incurred in answering, objecting or otherwise responding to a subpoena
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as e-commerce
  • Newsgathering Prior Acts Endorsement - provides coverage for newsgathering committed prior to the policy inception date
  • Commercial Printing Coverage Endorsement - provides coverage for the printing operations of the Insured for third parties

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Broadcaster Insurance
Broader coverage matching today’s challenges.

Television broadcasters - especially those who produce local news - face immense pressure and competition to be the first to disseminate news to viewers. Unfortunately, getting it out - and getting it right - can be a challenge in the fast-paced, and sometimes chaotic, newsroom environment as breaking news heeds no deadline. Radio broadcasters face significant challenges of their own as they compete for listeners with provocative on-air talent and commentary. Broadcasters need a smart insurance policy that empowers management to make key business decisions in respect to corrections, retractions, protecting confidential sources and information, as well as extending coverage to uninsured third parties. In a business with many moving parts, your insurance must be able to keep pace and keep you covered.

The Media Advantage Policy® was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in this specialized insurance field. New technology combined with an emerging media liability landscape has mandated a change in the traditional media liability policy. We think that the Media Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the very best coverage and service - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel
• Does not contain a "buy-out" or "hammer" clause
• Provides coverage for deceptive trade practices and fraud - if the underlying act was approved by counsel or authorized supervisor
• Provides coverage under certain circumstances for publishing claims made against the Insured by employees
• Does not exclude coverage for violation of criminal statutes if the underlying act was approved by counsel
• The insured is empowered with the sole editorial discretion in deciding whether to correct or retract media content, to protect the identity of a confidential source or to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as printers, distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for breach of oral agreement or confidentiality arising from the failure to maintain the confidentiality of a source or materials furnished by a source
• Provides coverage for the failure to portray a source or subject in a certain manner or light
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for expenses incurred in responding to a correction or retraction request
• Provides coverage for the Insured’s Internet activities, such as blogging
• Provides coverage for editorial decisions to deny or limit access to scheduled media - in other words, there need not be an utterance or dissemination of "matter" for coverage to attach
• Provides coverage for negligent supervision of an employee
• Provides coverage for claims arising from newsgathering activities - there need not be an utterance or dissemination of "matter" for coverage to attach
• Makes available coverage for defense costs in addition to the policy limits
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Broad Form Errors and Omissions - provides coverage for bodily injury and property damage arising from the content of scheduled media
  • First Amendment Advantage Endorsement - provides coverage for responding to a First Amendment restraint, such as a seizure of the insured’s property or a government action restricting media access to proceedings, meetings and other information. Also provides coverage for defending an FCC indecency or obscenity action
  • Subpoena Defense Coverage - provides coverage for legal expense incurred in answering, objecting or otherwise responding to a subpoena
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as e-commerce
  • Newsgathering Prior Acts Endorsement - provides coverage for newsgathering committed prior to the policy inception date
  • Commercial Printing Coverage Endorsement - provides coverage for the printing operations of the Insured for third parties

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

"What initially attracted me to First Media as a Media Liability Insurance provider for my broadcasting accounts was the broadness of their policy forms and the extensive underwriting experience of their staff. What has kept them as the primary provider for my client’s Communications Liability Insurance is their integrity, responsiveness and superior service. I have developed a close business relationship with the entire staff at First Media and truly view them as my partners in providing innovative solutions to my clients’ insurance needs."
John J. De Rose, CPCU, AAI
Birtwhistle and Livingston, Inc.

Commercial Printer Insurance
Broader coverage matching today’s challenges.

The competitive commercial printing business requires accuracy, attention to detail, volume and speed. Today’s sophisticated commercial printing operation also includes professional services well outside those offered by the traditional copy shop, such as graphic design and the reproduction of lottery, event tickets and ATM cards. We know that precision and the adherence to tight deadlines can be mutually exclusive, which often give rise to claims from clients for negligence. Insureds involved in product and packaging design face exposure to copyright and trademark infringement from third parties, as well as their own clients. Our expert team of insurance and claim professionals helps to alleviate insurance concerns so that commercial printers can focus on business.
The Media Advantage Policy® was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in this specialized insurance field. New technology combined with an emerging media liability landscape has mandated a change in the traditional media liability policy. We think that the Media Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the very best coverage and service - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel
• Does not contain a "buy-out" or "hammer" clause
• The insured is empowered with the sole editorial discretion in deciding whether to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for negligent supervision of an employee
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as e-commerce
  • Reperformance of Professional Services Endorsement - redefines "loss" to provide coverage for correction of the Insured’s printing or other services

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Distributor - Film and Programs
Broader coverage matching today’s challenges.

Program distributors are challenged to meet the public’s insatiable demand for news, information and cutting-edge entertainment while balancing the relationships with producers and other business partners. Time and financial constraints combined with the pressure to deliver in a competitive environment significantly increases exposure to copyright infringement, idea appropriation and right of publicity claims, as well as the more traditional defamation and invasion of privacy exposures. Insurance should not be an additional worry.

The Media Advantage Policy® backed by an experienced team of professionals helps protect the distribution of creative expression while preserving the insured’s bottom line.
The Media Advantage Policy® was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in this specialized insurance field. New technology combined with an emerging media liability landscape has mandated a change in the traditional media liability policy. We think that the Media Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the very best coverage and service - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel
• Does not contain a "buy-out" or "hammer" clause
• Provides coverage for deceptive trade practices and fraud - if the underlying act was approved by counsel or authorized supervisor
• Provides coverage under certain circumstances for publishing claims made against the Insured by employees
• Does not exclude coverage for violation of criminal statutes if the underlying act was approved by counsel
• The insured is empowered with the sole editorial discretion in deciding whether to correct or retract media content, to protect the identity of a confidential source or to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as printers, distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for breach of oral agreement or confidentiality arising from the failure to maintain the confidentiality of a source or materials furnished by a source
• Provides coverage for the failure to portray a source or subject in a certain manner or light
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for expenses incurred in responding to a correction or retraction request
• Provides coverage for the Insured’s Internet activities, such as blogging
• Provides coverage for editorial decisions to deny or limit access to scheduled media - in other words, there need not be an utterance or dissemination of "matter" for coverage to attach
• Provides coverage for negligent supervision of an employee
• Provides coverage for claims arising from newsgathering activities - there need not be an utterance or dissemination of "matter" for coverage to attach
• Makes available coverage for defense costs in addition to the policy limits
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Broad Form Errors and Omissions - provides coverage for bodily injury and property damage arising from the content of scheduled media
  • First Amendment Advantage Endorsement - provides coverage for responding to a First Amendment restraint, such as a seizure of the insured’s property or a government action restricting media access to proceedings, meetings and other information. Also provides coverage for defending an FCC indecency or obscenity action
  • Subpoena Defense Coverage - provides coverage for legal expense incurred in answering, objecting or otherwise responding to a subpoena
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as e-commerce
  • Newsgathering Prior Acts Endorsement - provides coverage for newsgathering committed prior to the policy inception date
  • Commercial Printing Coverage Endorsement - provides coverage for the printing operations of the Insured for third parties

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Excess Indemnity Insurance
Broader coverage matching today’s challenges.

Large media companies with diverse media holdings need adequate protection to implement vigorous defensive strategies to protect valuable assets. Lawsuits arising from blockbuster movies, best-selling books and publications with national and international circulation increase the stakes dramatically. Defense costs can quickly erode liability limits, and jury verdicts can easily be seven figures.

A following-form excess policy is available for media companies looking for higher limits of liability. The excess form, which is admitted in most states, can be written over any A-rated carrier, as well as Lloyd’s syndicates, and readily adapts to either an "occurrence" or a "claims-made" form. Your clients will find the rates to be very competitive.

The underwriting of the excess program utilizes the primary carrier’s application and loss run information so no additional applications need to be completed.


Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Magazine Publisher Insurance
Broader coverage matching today’s challenges.

Magazine Publishers face significant exposure to claims for defamation, invasion of privacy, right of publicity and copyright and trademark infringement. The exposure to loss and legal expense is significant - especially for publishers with national and international circulations. It is important for publishers to have comprehensive coverage backed by a team of experienced professionals who understand how important it is for the insured to be empowered with the authority to make decisions about retractions, confidential sources and extending coverage to uninsured freelancers and other independent contractors.

The Media Advantage Policy® was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in this specialized insurance field. New technology combined with an emerging media liability landscape has mandated a change in the traditional media liability policy. We think that the Media Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the very best coverage and service - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel
• Does not contain a "buy-out" or "hammer" clause
• Provides coverage for deceptive trade practices and fraud - if the underlying act was approved by counsel or authorized supervisor
• Provides coverage under certain circumstances for publishing claims made against the Insured by employees
• Does not exclude coverage for violation of criminal statutes if the underlying act was approved by counsel
• The insured is empowered with the sole editorial discretion in deciding whether to correct or retract media content, to protect the identity of a confidential source or to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as printers, distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for breach of oral agreement or confidentiality arising from the failure to maintain the confidentiality of a source or materials furnished by a source
• Provides coverage for the failure to portray a source or subject in a certain manner or light
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for expenses incurred in responding to a correction or retraction request
• Provides coverage for the Insured’s Internet activities, such as blogging
• Provides coverage for editorial decisions to deny or limit access to scheduled media - in other words, there need not be an utterance or dissemination of "matter" for coverage to attach
• Provides coverage for negligent supervision of an employee
• Provides coverage for claims arising from newsgathering activities - there need not be an utterance or dissemination of "matter" for coverage to attach
• Makes available coverage for defense costs in addition to the policy limits
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Broad Form Errors and Omissions - provides coverage for bodily injury and property damage arising from the content of scheduled media
  • First Amendment Advantage Endorsement - provides coverage for responding to a First Amendment restraint, such as a seizure of the insured’s property or a government action restricting media access to proceedings, meetings and other information. Also provides coverage for defending an FCC indecency or obscenity action
  • Subpoena Defense Coverage - provides coverage for legal expense incurred in answering, objecting or otherwise responding to a subpoena
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as web site development for third-party advertisers
  • Newsgathering Prior Acts Endorsement - provides coverage for newsgathering committed prior to the policy inception date
  • Commercial Printing Coverage Endorsement - provides coverage for the printing operations of the Insured for third parties

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Media Producer Insurance -- Film, Program and Theatrical Broader coverage matching today’s challenges.

Program producers are challenged to meet the public’s "around-the-clock" demand for news, information and cutting-edge entertainment while balancing the contractual mandates of distributors and other business partners. Time and financial constraints combined with the pressure to produce in a competitive environment significantly increase exposure to copyright infringement, idea appropriation and right of publicity claims, as well as the more traditional defamation and invasion of privacy exposures. Insurance should not be an additional worry. The Media Advantage Policy® backed by an experienced team of professionals helps protect creative expression - and the bottom line.

The >>Media Advantage Policy® was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in this specialized insurance field. New technology combined with an emerging media liability landscape has mandated a change in the traditional media liability policy. We think that the Media Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the very best coverage and service - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel;/li>
• Does not contain a "buy-out" or "hammer" clause
• Provides coverage for deceptive trade practices and fraud - if the underlying act was approved by counsel or authorized supervisor
• Provides coverage under certain circumstances for claims made against the Insured by employees
• Does not exclude coverage for violation of criminal statutes if the underlying act was approved by counsel
• The insured is empowered with the sole editorial discretion in deciding whether to correct or retract media content, to protect the identity of a confidential source or to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as printers, distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for breach of oral agreement or confidentiality arising from the failure to maintain the confidentiality of a source or materials furnished by a source
• Provides coverage for the failure to portray a source or subject in a certain manner or light
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for expenses incurred in responding to a correction or retraction request
• Provides coverage for the Insured’s Internet activities, such as blogging
• Provides coverage for editorial decisions to deny or limit access to scheduled media - in other words, there need not be an utterance or dissemination of "matter" for coverage to attach
• Provides coverage for negligent supervision of an employee
• Provides coverage for claims arising from newsgathering activities - there need not be an utterance or dissemination of "matter" for coverage to attach
• Makes available coverage for defense costs in addition to the policy limits
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Broad Form Errors and Omissions - provides coverage for bodily injury and property damage arising from the content of scheduled media
  • First Amendment Advantage Endorsement - provides coverage for responding to a First Amendment restraint, such as a seizure of the insured’s property or a government action restricting media access to proceedings, meetings and other information. Also provides coverage for defending an FCC indecency or obscenity action
  • Subpoena Defense Coverage - provides coverage for legal expense incurred in answering, objecting or otherwise responding to a subpoena
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as e-commerce
  • Newsgathering Prior Acts Endorsement - provides coverage for newsgathering committed prior to the policy inception date
  • Commercial Printing Coverage Endorsement - provides coverage for the printing operations of the Insured for third parties

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Multimedia Insurance
Broader coverage matching today’s challenges.

Media companies with diverse media holdings - broadcasting, publishing, commercial printing, professional services, advertising, film - need a broad and intelligent policy that anticipates a range of complex legal challenges. The vertical integration of media means that claims can arise from any segment at any time. A multimedia insured must be empowered to make key business decisions in respect to corrections, retractions, protecting confidential sources and information, as well as extending coverage to uninsured third parties. The holdings of a multimedia company are constantly shifting and its business model always under economic scrutiny, which adds to the complexity of the risk. This business is hard enough; its media liability insurance need not be.

The Media Advantage Policy® was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in this specialized insurance field. New technology combined with an emerging media liability landscape has mandated a change in the traditional media liability policy. We think that the Media Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the very best coverage and service - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel
• Does not contain a "buy-out" or "hammer" clause
• Provides coverage for deceptive trade practices and fraud - if the underlying act was approved by counsel or authorized supervisor
• Provides coverage under certain circumstances for publishing claims made against the Insured by employees
• Does not exclude coverage for violation of criminal statutes if the underlying act was approved by counsel
• The insured is empowered with the sole editorial discretion in deciding whether to correct or retract media content, to protect the identity of a confidential source or to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as printers, distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for breach of oral agreement or confidentiality arising from the failure to maintain the confidentiality of a source or materials furnished by a source
• Provides coverage for the failure to portray a source or subject in a certain manner or light
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for expenses incurred in responding to a correction or retraction request
• Provides coverage for the Insured’s Internet activities, such as blogging
• Provides coverage for editorial decisions to deny or limit access to scheduled media - in other words, there need not be an utterance or dissemination of "matter" for coverage to attach
• Provides coverage for negligent supervision of an employee
• Provides coverage for claims arising from newsgathering activities - there need not be an utterance or dissemination of "matter" for coverage to attach
• Makes available coverage for defense costs in addition to the policy limits
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Broad Form Errors and Omissions - provides coverage for bodily injury and property damage arising from the content of scheduled media
  • First Amendment Advantage Endorsement - provides coverage for responding to a First Amendment restraint, such as a seizure of the insured’s property or a government action restricting media access to proceedings, meetings and other information. Also provides coverage for defending an FCC indecency or obscenity action
  • Subpoena Defense Coverage - provides coverage for legal expense incurred in answering, objecting or otherwise responding to a subpoena
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as web site development for third-party advertisers or e-commerce
  • Newsgathering Prior Acts Endorsement - provides coverage for newsgathering committed prior to the policy inception date

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Music Liability Insurance
Broader coverage matching today’s challenges.

Music publishers, composers, arrangers, lyricists, recording companies and performing/recording artists need a broad and comprehensive liability policy that addresses traditional music exposures while anticipating those that are emerging with new technology. Musical artists, publishers and distributors must manage immense pressure to meet their consumers’ demands for music distributed through diverse and convenient delivery systems and venues. The integration of music and video technology and advertising has resulted in litigation that has outpaced legal precedent. Intellectual property claims are significant risks in the music industry. Increasingly, musical artists leverage their immense popularity through other media endeavors - movies, public appearances, advertising, producing and managing the careers of young artists. For these complex exposures, nobody offers sound coverage like we do. We have developed two different forms to meet the needs of music industry professionals - the Media Advantage Policy® with special music endorsements provides broad occurrence-based coverage for professionals engaged in a mix of music and media activities, and the Music Professional Liability Policy provides claims-made coverage for those dedicated to the music profession. Both polices are backed by an experienced team of professionals who ensure creative expression and the bottom line.

Our music liability coverage solutions were developed by media liability and entertainment attorneys with experience in this specialized insurance field. Check to see that your policy:

• Provides coverage for negligence, defamation, privacy, idea misappropriation, copyright, trademark and related unfair competition claims
• Coverage available on an occurrence or claims-made basis
• Provides coverage for all sized risks on a primary or excess basis
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as distributors, who utilize the Insured’s work
• Provides liability limits up to $5,000,000
• Provides defense coverage for threatened injunctions
• Provides coverage for the Insured’s music, video, internet, advertising and distribution activities
• Provides coverage for covered claims that arise anywhere in the world
• Provides a definition of "loss" that includes punitive damages where allowable by applicable state law; and
• Music insurance solutions on an admitted or surplus lines basis

Provides a number of coverage endorsements to extend coverage even further, including but not limited to:

• Merchandising Coverage Endorsement - provides coverage for the Insured’s merchandising relating to the Insured work
• Personal Appearance Coverage Endorsement - provides coverage for live personal appearances and performances made by the Insured
• Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the Insured, such as music production for third parties; and
• Music library coverage extends to all of the Insured’s musical works

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Newspaper Publisher Insurance
Broader coverage matching today’s challenges.

Newspaper publishers face immense pressure to provide news, information and entertainment to an increasingly demanding audience that has access to similar information through a variety of competing media outlets. There is immense pressure to meet the demands of advertisers seeking the most "bang" from their advertising buck. The Newspaper Advantage Policy® provides unsurpassed coverage on an open peril basis because publishers never know what perils they might face beyond tomorrow’s horizon. This policy also empowers editors and publishers to make important decisions that directly impact their employees, business partners and bottom line, such as resolving sensitive matters regarding confidential sources and retraction issues.

The >>Newspaper Advantage Policy® was designed by First Amendment and intellectual property lawyers with more than 125 years of combined experience in media liability. New technology and emerging media exposures arising from investigative reporting, in particular, have mandated a change in the traditional media liability policy. We think that the Newspaper Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the best coverage and service for newspaper publishers - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel
• Does not contain a "buy-out" or "hammer" clause
• Provides coverage for deceptive trade practices and fraud - if the underlying act was approved by counsel or authorized supervisor
• Provides coverage under certain circumstances for claims made against the Insured by employees
• Does not exclude coverage for violation of criminal statutes if the underlying act was approved by counsel
• The insured is empowered with the sole editorial discretion in deciding whether to correct or retract media content, to protect the identity of a confidential source or to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as printers, distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for breach of oral agreement or confidentiality arising from the failure to maintain the confidentiality of a source or materials furnished by a source
• Provides coverage for the failure to portray a source or subject in a certain manner or light
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for expenses incurred in responding to a correction or retraction request
• Provides coverage for the Insured’s Internet activities, such as blogging
• Provides coverage for editorial decisions to deny or limit access to scheduled media - in other words, there need not be an utterance or dissemination of "matter" for coverage to attach
• Provides coverage for negligent supervision of an employee
• Provides coverage for claims arising from newsgathering activities - there need not be an utterance or dissemination of "matter" for coverage to attach
• Makes available coverage for defense costs in addition to the policy limits
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Broad Form Errors and Omissions - provides coverage for bodily injury and property damage arising from the content of scheduled media
  • First Amendment Advantage Endorsement - provides coverage for responding to a First Amendment restraint, such as a seizure of the insured’s property or a government action restricting media access to proceedings, meetings and other information. Also provides coverage for defending an FCC indecency or obscenity action
  • Subpoena Defense Coverage - provides coverage for legal expense incurred in answering, objecting or otherwise responding to a subpoena
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as web site development for third-party advertisers
  • Newsgathering Prior Acts Endorsement - provides coverage for newsgathering committed prior to the policy inception date
  • Commercial Printing Coverage Endorsement - provides coverage for the printing operations of the Insured for third parties

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

Special Appearance Insurance -- Celebrities, Public Officials and other Public Figures
Broader coverage matching today’s challenges.

Celebrities, public officials and other public figures need liability coverage for their unique exposure for being seen and heard in public whether from speaking engagements, product endorsements, personal appearances or writing and blogging activities. In many instances, the celebrity or person of note is contractually obligated to defend and indemnify the advertiser, broadcaster or publisher. Because famous individuals are perceived as having "deep pockets," they are often targets for litigation - especially for defamation and invasion of privacy claims. A broad insurance policy backed by experienced underwriters and claims counsel is essential for protecting financial assets and peace of mind.

The >>Media Advantage Policy® was designed by First Amendment and intellectual property attorneys with more than 125 years of combined experience in this specialized insurance field. New technology combined with an emerging media liability landscape has mandated a change in the traditional media liability policy. We think that the Media Advantage Policy® backed by the most experienced underwriters and claims staff in the country, provides the very best coverage and service - but you decide for yourself. Check to see that your policy:

• Provides coverage for open perils - the limited named peril policy simply cannot keep up with creative plaintiffs’ attorneys nor adequately respond to the ramblings of pro se litigants
• Provides coverage for contempt actions if the underlying act was approved by the insured’s counsel
• Does not contain a "buy-out" or "hammer" clause
• Provides coverage for deceptive trade practices and fraud - if the underlying act was approved by counsel or authorized supervisor
• Provides coverage under certain circumstances for claims made against the Insured by employees
• Does not exclude coverage for violation of criminal statutes if the underlying act was approved by counsel
• The insured is empowered with the sole editorial discretion in deciding whether to correct or retract media content, to protect the identity of a confidential source or to extend insurance coverage to an uninsured independent contractor
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as printers, distributors or advertisers, who utilize media content furnished by the Insured
• Provides liability limits up to $10,000,000
• Provides coverage for breach of oral agreement or confidentiality arising from the failure to maintain the confidentiality of a source or materials furnished by a source
• Provides coverage for the failure to portray a source or subject in a certain manner or light
• Provides coverage for contextual errors and omissions at no additional cost
• Provides coverage on an occurrence basis
• Provides defense coverage for injunctions
• Provides coverage for expenses incurred in responding to a correction or retraction request
• Provides coverage for the Insured’s Internet activities, such as blogging
• Provides coverage for editorial decisions to deny or limit access to scheduled media - in other words, there need not be an utterance or dissemination of "matter" for coverage to attach
• Provides coverage for negligent supervision of an employee
• Provides coverage for claims arising from newsgathering activities - there need not be an utterance or dissemination of "matter" for coverage to attach
• Makes available coverage for defense costs in addition to the policy limits
• Provides coverage for covered claims that arise anywhere in the world
• Provides a number of coverage endorsements to extend coverage even further, including but not limited to:
  • Broad Form Errors and Omissions - provides coverage for bodily injury and property damage arising from the content of scheduled media
  • First Amendment Advantage Endorsement - provides coverage for responding to a First Amendment restraint, such as a seizure of the insured’s property or a government action restricting media access to proceedings, meetings and other information. Also provides coverage for defending an FCC indecency or obscenity action
  • Subpoena Defense Coverage - provides coverage for legal expense incurred in answering, objecting or otherwise responding to a subpoena
  • Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the insured, such as web site development for third-party advertisers
  • Newsgathering Prior Acts Endorsement - provides coverage for newsgathering committed prior to the policy inception date
  • Commercial Printing Coverage Endorsement - provides coverage for the printing operations of the Insured for third parties

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.