Media plays a very important role worldwide in all its relevant forms from radio to television. Given the vast exposure that can be achieved, potential claims against media companies are a very realistic threat. Professionals in this field can be very vulnerable to claims such as negligence which could potentially stem from even simple errors such as a typo.

Production and Broadcasting insurance will provide protection against any potential claims that can arise.

It is important that all the insurable risks are identified to ensure that the cover is sufficient for the individuals. The risks faced can differ between those at the production level to those at broadcast level.

Production Broadcasting

The policy will encompass the relevant stages of production, whether that be of a film, TV programme, stage show etc. Such activities in production include the research and development, preparation, production, advertising, licencing formalities and distribution. The cover provided will protect against claims that are brought at any of the above stages by third parties. In general, the product will also include other parties involved within these activities such as co-producers and purchasers.

Some of the risks that would be covered under the policy are as follows:

  • Negligence – this would cover acts arising from content in a production
  • Defamation
  • Invasion of privacy
  • Claims of emotional distress
  • Misuse of confidential information
  • Violation of intellectual property
  • Contingent bodily injury arising from content of the production
  • Contingent damage to property arising from content of the production
  • Dishonesty of employees

Broadcasters are especially vulnerable to defamation claims. This is due to the highly publicised level of damages that can be awarded if the claimant is successful, which has instigated an increased flow of claims being brought. It is also difficult to manage defamation risks in scenarios where the broadcast is live and there is unscripted dialogue.

This product will cover website owners, radio broadcasters and television broadcasters alike.

Some of risks that would be covered under the policy are as follows:

  • Negligence – this would cover acts, misstatement or misrepresentation
  • Defamation – this would include claims for all types of defamation
  • Infringement of intellectual property
  • Breach of confidence
  • Trade libel
  • Claims of emotional distress
  • Dishonesty of employees
  • Loss or damage to data and documentation
  • Hacker protection
  • Public relations and crisis management services
  • Costs incurred with the withdrawal of content – this includes withdrawal as a result of a complaint by the Advertising Standards Authority (ASA) or The Office of Communications (OFCOM)
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