Saskia is amazing! I had an unusual insurance requirement and needed someone who would pay attention to the details and that's exactly what Saskia did. She got me insurance when no other broker that we had approached was able to. Very professional. Highly recommend her.
Media liability insurance for agencies, creators and producers.
Quick answerWhat does media liability insurance cover for agencies, creators and producers?Media liability insurance covers claims arising from content you create, produce or share, including defamation, copyright infringement and privacy breaches. This package can also include professional indemnity, public liability and cyber cover. Consolidated Insurance Brokers checks your activities and explains the cover, restrictions and price differences before you choose.
Whether you create podcasts, produce video or run advertising campaigns, a client's loss can burden you with compensation and legal costs. We compare cover and price, explain the gaps and negotiate terms with insurers. You choose what suits your work and budget.
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We had excellent service in obtaining insurance on a newly purchased commercial property. Clayton Rowlings explained everything so clearly and very patient with many questions regarding different options. Highly recommended! Thanks Clayton.
Tracey helped me sort out professional indemnity and public liability insurance for my new business - she was super helpful throughout the process helping me navigate for the first time.
Deja provided a prompt and professional service in securing a policy that suited my requirements.
Terrific experience with Gina. I had a difficult policy which other brokers couldn't find a solution for. Gina had an option for me within a few hours. I would highly recommend.
Thank you so much Cyndie for your help/advice/service. You made the whole process so easy. Thank you again. Jason Armstrong
Alison was a life-saver for us, staying after hours to make sure that we could get the building insurance coverage we urgently needed for a property purchase.
Debbie was always happy to help with my questions and very prompt with her service.
Hi I can highly recommend Aimee Spencer for all your insurance needs she has done a fantastic effort on keeping my insurance policy once again Many Thanks for all your work
Saskia Van Oostveen was efficient, professional, accurate, helpful and friendly throughout the entire process. Highly recommend!
A great experience with Tori, attaining some tricky commercial insurance, she was very professional in catering to your needs, whilst also having a quick turn around.
Jade was wonderful, finding me insurance coverage for a commercial property. Greatly appreciated her excellent service.
I contacted Tracey E from Consolidated Insurance Brokers for some commercial property quotes. Tracey was super helpful helpful, friendly and provided great advice. Highly recommend for all your insurance needs!
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I contacted Renay after she was recommended by a family friend, for home and contents insurance. She was prompt and helpful and had me all sorted in a couple of days. Highly recommend!
I needed fast transit insurance this week and Daniel Roussounis was outstanding in his immediate response and getting this organized for me. Can't recommend Daniel and Consolidated Insurance Brokers highly enough!
Second year organising insurance with Jim K., did not have any issues and a smooth transition. I recommend
May Lewong at the Emerald office was amazing. Easy to deal with and was quick and efficient.
Reena was absolutely fantastic during the entire process helping me set you our new home and contents insurance. Would definitely recommend to anyone.
Natasha as always, gives us professional, exceptional service and would recommend her to any business :-)
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Written by William Paull, QPIB
Co-Founder & Account Director · Read William’s full profile
Who can bring the claim against you?
The claim can come from someone who was never your client: a person named in an interview you aired, or the owner of music or footage you used.
On a standard professional indemnity policy, copyright and trade mark claims are usually excluded. An add-on gives back only part of that cover. Defamation usually comes in by an add-on too, often only if you did not mean to defame. A media package can cover copyright, defamation and privacy claims in their own right, where you buy those sections. Some policies sold as media professional indemnity are professional indemnity with media cover added on. The wording decides what you hold, not the name.
A media package can hold professional indemnity too, so a client's complaint about a campaign or a finished piece of work can be covered as well.
Taking a client's business offline. If your agency builds websites, runs campaigns or manages a client's online presence, a failure in that work can stop their sales, and the loss traces back to you. Because it is your client's loss, your own cyber cover alone does not pay it. A claim for that loss can be covered by the professional indemnity section, where your package includes it.
Does the cover fit the work you do?
The work matters as much as your job title. We ask what you create, produce or distribute, and what you do for clients. The policy covers content that comes from the business activities on your schedule.
Advertising and marketing agencies. Your agency might plan campaigns, create ads or manage social accounts. A client can dispute your work. Someone else can challenge an image or a phrase used in a campaign. We look for the exclusions that could leave your business paying a claim itself.
Podcasters and broadcasters. We ask about the programmes you make and distribute, including what guests and freelancers contribute. An interview, a guest's comment or a piece of music can each prompt a defamation, privacy or copyright complaint.
Film, video and production businesses. Scripts, footage and music can bring rights disputes, or complaints about the finished work. We look at the cover for what you make and the cover for the shoot together.
Designers, photographers, publishers and other creators. A logo, photograph, article or social post can be challenged over who owns it, whether you had permission, or what it says about someone. The cover has to fit the work you create and the material you use from other people.
An insurer that will cover your kind of business will not necessarily cover every activity or allegation. Which sections you hold decides that.
What does a media package cover that professional indemnity does not?
On the media policy we place, each section of cover is bought separately, and your policy schedule lists the ones you hold. These are the parts a standard professional indemnity policy usually leaves out.
A letter asking you to take something down. A written request to retract or correct something counts as a claim, so the policy can respond from that first letter. On some professional indemnity policies a takedown letter is not yet a claim. Whether costs before that point are paid turns on that policy's other terms. Either way, cover for those costs usually needs the insurer's agreement first. If a letter ever arrives, tell your broker before you reply or spend on lawyers.
A contract that makes you cover the other side. Broadcast agreements, venue hire, endorsement deals and platform terms can ask you to extend your insurance to the other party. The package can do that, where you agreed it in writing before the claim and the claim comes only from your own work. Professional indemnity often has no way to do this, and commonly excludes liability you take on under a contract.
A shoot, an event or a hired studio. Filming on location or running an event can injure someone or damage property. The package can also carry public and products liability for that, including damage to a studio or venue you hire. Professional indemnity is not built for injury or property damage and will not usually respond to it. Drones and other aircraft fall outside that section, so aerial filming needs its own cover.
A breach or a scam payment. The package can carry its own cyber sections, but only if you buy them. Those sections can pay the cost of responding to a data breach and claims from people whose data was exposed. They can also pay money lost when someone tricks your staff into paying it out. If cyber is your main exposure, start on our cyber insurance page.
Where is a media package narrower?
In the same policy, these are the two exclusions to read first.
Claims about the advertising itself. Claims that an advertisement, promotion or product description was false or misleading are excluded, with no exception in the wording we place. Consumer law claims are excluded too, except a claim that you used someone else's trade mark, which stays covered where the policy covers it. Some professional indemnity and technology policies cover an unintentional breach of consumer law. If ads are what you deliver, that one difference can decide which policy you need. Our guide to marketing agency insurance shows whether an agency like yours belongs on a media package or a technology package.
Data collected without consent. Claims that you collected, stored or used personal information without consent are excluded, and nothing in the wording gives that cover back. That includes search history and browsing habits. If your campaigns track audiences, for example with a tracking pixel (a small piece of code that records who visits a page), this is the exclusion to check. Claims over eavesdropping, wiretapping or recording someone without their permission, by you or for you, are excluded too.
Has your business grown or changed since you bought the policy?
If it has, check the policy still describes the business you run now. A production company that becomes a talent agency, or an agency that starts reselling software, has changed the business the policy was written for.
Software and IT work is usually insured on a different class of policy, IT liability insurance. If your business does both, we check both kinds of work and take up any changes it needs with the insurer.
Moving your media cover to a new insurer? Your new policy can exclude a claim, or a problem that could become one, if you knew about it, or reasonably should have, before the new cover began. That includes one you have already reported to another insurer. So report any letter or complaint on your desk to your current insurer before you switch, because the new policy may not pick it up.
When you claim on a policy we look after
If a claim is made against your work, a specialist claims manager on our team will run it with the insurer. The broker who handles your cover stays involved and keeps an eye on it, so a lawyer's letter is not something you answer alone. Where a claim on the media policy is covered, the insurer takes control of the defence. It pays the defence costs on your behalf, less your excess (the part of each claim you pay yourself). The insurer decides the claim.
Short answers
What is media liability insurance?
At Consolidated Insurance Brokers, media liability is a packaged policy for businesses that create, produce or distribute content, or make it for clients. It can cover claims over the content itself, together with professional indemnity, public liability and cyber, in one contract. Property, business interruption and directors' cover can be added, each bought separately.
How much does media liability insurance cost?
Premiums for media liability insurance start from around $2,500 a year with Consolidated Insurance Brokers, as at October 2026. Your premium moves with the work you do, your turnover, the limit you need and your claims history. Broader cover costs more and leaves less of the risk with you. We show you the less expensive option and the broader one, and you choose what suits your budget.
Does media liability insurance cover defamation?
On our media wording, it covers words, spoken or written, that damage the reputation of a person or a business, where that section is on your schedule. That runs from a remark in an interview to a post or an article. More in our guide to defamation insurance.
Does media liability insurance cover copyright or trademark infringement in work we deliver?
Where you hold that section, it covers copyright and trade mark infringement, passing off (selling something as if it came from another business), plagiarism, misuse of a concept or format, and failing to credit an author. Patent claims are excluded on the media policy we arrange, and nothing in it adds them back.
Does media liability insurance cover what we post on social media?
A post your business puts out is content, so a defamation or copyright claim over it sits in the same sections as anything else you create or share.
Are our freelancers and contractors covered by media liability insurance?
On the media policy Consolidated Insurance Brokers arranges, a person working for your business as an independent contractor counts as an insured. Where your policy includes professional liability, your liability for mistakes by the sub-contractors who deliver your work is covered too.
A client is holding back our fees and threatening a claim. Can the policy help?
It can, if your policy includes withheld-fees cover. Say the client agrees in writing to drop the claim once you stop chasing the fees. The policy can then pay you those fees, less the profit, mark-up and tax in them. The threatened claim has to be a claim about your work or an intellectual property claim the policy would cover, and bigger than the fees.
Does media liability insurance cover claims from the US or Canada?
Only if your schedule lists them. A court action brought in a country not listed is excluded. So where you could be sued decides which countries you list. For a claim made in the United States, your limit becomes one amount for the whole year, and the legal costs come out of it.
Check the cover fits what you create, whether you are buying or renewing.
Ring 07 3292 1111 and tell us what you create or produce, and who it is for. We set up cover around that work, or check the policy you hold against it. We explain what broader cover would add and whether it is worth the premium for your business. If your broker has gone quiet, we may be able to look after the policy you have now without cancelling it.