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Media liability INSURANCE

Protection against allegations of copyright infringement, defamation, or libel/slander.

 
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2 MIN

Media Liability Insurance with Ore

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What Media Liability does & doesn't cover
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Recommendations based on stage and vertical
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Which add-ons make sense for your startup
BECAUSE

Copyright infringement damages can be as high as $150,000 per incident not including legal fees.

WHEN
  • When purchasing E&O.
  • Prior to “Introducing our new Startup” post.
  • As you ramp up marketing.
WHY
  • When content creation is used to drive overall marketing efforts.
  • Media coverage on General Liability policies is often limited and can have coverage gaps.
See recommended limits based on your stage and vertical
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THE PROTECTION

What Media Liability  Covers

Allegations of copyright infringement
Situations of libel/slander, plagiarism/piracy, related to your creation of content on digital and non-digital formats.
What it doesn’t cover
  • Infringement of software code 
  • Errors & omissions related to your technology product
  • Cyber events
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FROM THE ACTUARIES

Media Liability Claims Examples

Case Study
Incident
A series B startup’s social media manager tweets about their new product launch, mentioning how it’s better than their main competitor’s alternative. However, the tweet contains inaccurate information about the competitor’s product, and the startup is sued for libel by the competitor.
Resolution
The Media Liability policy covers the legal costs and settlement charges, up to the policy limits.
Incident
A seed startup hires an outside contractor to shoot a culture video to help them attract more candidates to apply for jobs. They pick a nice soundtrack for the video, and the contractor assures them that they will purchase the right to use it - but ends up forgetting to do so. The startup is sued for copyright infringement by the music owner.
Resolution
The Media Liability policy is triggered and covers the legal costs and settlement charges, up to the policy limits.
Social post alluding to competitor triggers libel lawsuit
Incident
A series B startup’s social media manager tweets about their new product launch, mentioning how it’s better than their main competitor’s alternative. However, the tweet contains inaccurate information about the competitor’s product, and the startup is sued for libel by the competitor.
Resolution
The Media Liability policy covers the legal costs and settlement charges, up to the policy limits.
Alleged discrimination based on disability
Incident
A seed startup hires an outside contractor to shoot a culture video to help them attract more candidates to apply for jobs. They pick a nice soundtrack for the video, and the contractor assures them that they will purchase the right to use it - but ends up forgetting to do so. The startup is sued for copyright infringement by the music owner.
Resolution
The Media Liability policy is triggered and covers the legal costs and settlement charges, up to the policy limits.
INSURANCE 101

What Is Startup Business Insurance and Why Do I Need It?

In the fast-paced world of startups, having insurance in place can mean the difference between making the deal or getting passed over for a more prepared competitor.
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What Is Startup Business Insurance and Why Do I Need It?

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