Provided by Professional Risks

Multimedia Errors & Omissions Insurance

The media landscape is riskier than ever to navigate, but with Tokio Marine HCC you have the expert partner you need.

Tokio Marine HCC is a specialist in Media Errors & Omissions insurance, providing broad protection for businesses operating in reputation-driven, brand-sensitive industries.

In a sector where communication and public image are critical, even a minor error can lead to significant financial and reputational exposure. Our Media policy is designed to address allegations such as defamation, Intellectual Property (IP) infringement, breach of advertising regulations and contractual disputes, helping protect both our Insureds and their clients.

Our Media E&O policy is purpose-built for the Canadian market, to provide up-to-date coverage, written by experts and backed by a specialist underwriting team who understand the specific exposures associated with the Media market.

Summary of coverage

  • Professional Indemnity Limit up to C$10,000,000
  • Defence costs in addition to the Indemnity Limit
  • Any form of defamation
  • IP infringement
  • Negligent acts, negligent misstatement or misrepresentation
  • Breach of licence to use third-party trademarked or copyrighted material
  • Breach of comparative advertising regulations
  • Expenses associated with the withdrawal of content
  • Reputation management considerations
  • Optional Cyber extension including first party cover for data protection, notification costs, cyber business interruption and regulatory defence

Target Media Clients include:

  • Authors
  • Market Research Consultants
  • Advertising Agencies
  • Marketing Consultants
  • Animators
  • Media Buyers / Planners
  • Brand development consultants
  • Podcasters
  • Communications Consultants
  • Public Relations Consultants
  • Copywriters
  • Sales Promotion Consultants
  • Corporate Identity Consultants
  • SEO and Analytics Consultants
  • Design of Printed Literature
  • Social Media Consultants
  • Direct Marketing Consultants
  • Telemarketing
  • Graphic Designers
  • Youtubers / Influencers
     

Claims scenarios

Defamation: 
The Claimant was a Nationalist organisation who took offence to the fact that the Insured referred to it as a “racist” organisation in its published and online version of its newspaper. The article related to a march in Nottingham and the associated resistance it faced. The Claimant threatened legal action claiming libel.

Malicious Falsehood: 

The Insured published an article on its website suggesting another company was in financial trouble. Allegations were that article was defamatory and constituted malicious falsehood due to the suggestions of financial difficulty. Claimant sought an apology, a retraction and an undertaking not to republish articles or emails.

Breach of Privacy: 
A broadcaster used some archived footage in their news coverage which had not be cleared and those individuals identified in the footage sued for breach of privacy. The claim was settled and paid and a thorough review of all archive footage was undertaken.

Copyright Infringement: 
A publisher was accused of unauthorised retention of materials from an author who had approached the publisher to consider their manuscript for publication but which was ultimately rejected. Accusations were made that their copyright was infringed and that another author’s book was very similar to their own.

 

Documents & forms

Professional Risks Canada - Documents

Download your Professional Risks policy documentation by clicking the button below.

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Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

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