Looking for Communication / Media Insurance?
Protect your media business from copyright claims, libel allegations, professional errors, and equipment damage. Harper provides insurance for production companies, publishers, broadcasters, and content creators, with fast issuance of certificates to clients, distributors, and production partners.
What is Communication / Media Insurance?
Communication and media insurance protects businesses involved in content creation and distribution from risks such as copyright infringement, defamation claims, professional errors, data exposure, and equipment loss. Coverage commonly includes media professional liability (E&O), general liability, equipment protection, and cyber liability. Clients, advertisers, and distribution partners often require proof of insurance before entering contracts or releasing content.
Media Liability (E&O)
Coverage for claims related to copyright infringement, defamation, libel, privacy violations, and content-related errors or omissions.
Equipment Protection
Covers cameras, audio gear, lighting, editing systems, and production equipment used on-site or on location.
Cyber & Data Coverage
Protects against data breaches, hacking incidents, and exposure of digital content or client information.
Certificates
Fast proof of insurance for clients, distributors, networks, and production partners.
Who Needs Communication / Media Insurance?
- Production companies : Businesses requiring specialized insurance coverage
- Publishers and editors : Businesses requiring specialized insurance coverage
- Broadcasters and networks : Businesses requiring specialized insurance coverage
- Content creators and digital media professionals : Businesses requiring specialized insurance coverage
Why Harper?
Media & Communications Expertise
Media businesses face unique legal exposure tied to content ownership, publishing rights, and distribution agreements. Harper understands these risks and offers coverage tailored to real-world production, publishing, and digital media operations.
Fast Proof for Contracts and Distribution
Production clients, advertisers, and distributors often require insurance documentation before contracts are signed or content is released. Harper delivers accurate certificates quickly to support project approvals and deal timelines.
Clear, Practical Guidance
We explain media liability, equipment protection, and cyber coverage in straightforward terms so you understand how insurance applies to your content, platforms, and production process.
Coverage Matched to Your Work
Whether you produce video, audio, print, broadcast, podcasting, or digital content, Harper helps align coverage with how your media is created and distributed.
Frequently Asked Questions
What insurance do media businesses need?
Most media businesses need media professional liability (E&O) to protect against content-related claims such as copyright infringement or defamation. General liability covers third-party injuries, equipment coverage protects production gear, and cyber liability may apply if digital content or client data is handled. Workers' compensation is required if you have employees.
Is media insurance required?
Often, yes. Production clients, networks, advertisers, and distribution partners typically require proof of media liability insurance before contracts are signed or content is distributed.
How much does media insurance cost?
Costs vary by services, revenue, and project scope. Solo content creators may pay $500–$2,000 annually, while production companies and agencies often range from $3,000 to $15,000 or more, depending on exposure and project volume.
Does insurance cover copyright claims?
Media liability coverage may apply to copyright infringement claims when proper licensing, permissions, and clearance procedures were followed, subject to the policy's terms.
Does insurance cover equipment theft or damage?
Yes. Equipment or inland marine coverage may protect cameras, audio gear, and production equipment from theft, damage, or loss, whether in studio or on location.
Can I add clients as additional insureds?
Some production contracts require clients to be added as additional insureds. Harper helps determine when this is appropriate and handles certificates and endorsements to meet contract requirements.