SPECIALTY INSURANCE SOLUTIONS

MEDIA

Media Liability Insurance helps companies defend against suits that arise from their gathering and delivery of media such as education, news, commentary, services and entertainment.

Trisura’s Multimedia Liability Insurance protects against claims arising from alleged defamation, invasion of privacy, infringement of copyright and trademark, and errors or omissions arising from the content produced by them.

Coverage Highlights

  • Coverage is offered on an occurrence basis
  • Defence costs are in addition to the limit of liability
  • Media Liability including Content Errors and Omissions (E&O) coverage
  • ‘All-Risk’ approach opens coverage to possible future liability theories
  • Emotional distress carve back on BI/PD exclusion
  • Media coverage, including media entities and activities
  • Definition of claim includes monetary damages, non-monetary relief or injunctive relief
  • Media wrongful acts, including:
    • Breach of confidentiality
    • Conspiracy
    • Copyright and trademark infringement
    • Deceptive trade practices
    • Defamation
    • Emotional distress
    • False arrest
    • Harassment
    • Invasion of privacy
    • Wrongful entry
  • Definition of matter includes:
    • Advertising
    • Art
    • Blogging
    • Creative expression
    • Data
    • Entertainment
    • Facts
    • Fiction
    • Film
    • Graphics
    • Information
    • Literary composition
    • Music
    • News
    • Opinions
    • Photographs
    • Pictures
    • Sound recordings
    • Video
    • Web-site
  • Definition of loss includes:
    • Exemplary
    • Multiplied damages to the fullest extent permitted by law
    • Punitive
  • Worldwide coverage
  • Broad definition of occurrence
  • Includes liability assumed under contract
  • Definition of insured includes:
    • Agent
    • Director
    • Employees
    • Leased or temporary employee
    • Officer
    • Partner
    • Shareholder
    • Volunteer and independent contractors
  • Insured retains full control over content corrections / retractions
  • Confidential source coverage
  • Merchandising coverage
  • Deceptive trade practices and fraud coverage — if the underlying act was approved by counsel or authorized supervisor
  • Coverage for news gathering activities where no utterance or dissemination of matter takes place
  • Does not contain a ‘buy-out’ or ‘hammer’ clause

Appetite
We underwrite all risks on an account-by-account basis taking into consideration the unique risk characteristics of each applicant.

International Exposure
We underwrite accounts incorporated in Canada with international exposures, provided the majority of their operations and employees are domiciled in Canada.

Minimum Premiums
We do not have minimum premium thresholds.

Classes
We apply our underwriting expertise with a focus on the following types of media risks:

  • Advertising Agencies
  • Authors
  • Book Publishers
  • Cable Channels
  • Cable Networks
  • Cable Operators
  • Freelance Writers
  • Internet Media Activities
  • Magazine Publishers
  • Media conglomerates (companies that publish, broadcast and disseminate content over multiple platforms)
  • Newspaper Publishers
  • Personal Appearance Accounts
  • Radio Broadcasters
  • Television Broadcasters

Excess Coverage
We will consider excess coverage for many classes of business.