FACT CHECK
Media Liability Myths and Misconceptions
“I don’t need it — I already have a general liability policy.”
Most general liability (GL) policies specifically exclude defamation and intellectual property (IP) infringement. While GL typically covers bodily injury or property damage caused by negligence, it does not cover claims arising from the content you create or distribute. A dedicated policy provides protection for defamation and IP risks tied to your work.
“My business is too small — only large companies are at risk.”
Any individual with a public profile who creates or shares content can face exposure to defamation, IP infringement, or breach of confidentiality claims. Lawsuits aren’t limited to large corporations — freelancers and independent creators face these risks every day.
“I create original content — I can’t infringe on anyone’s IP.”
Even original projects often incorporate third-party IP such as music, images, or licensed materials. Errors in licensing, permissions, or fees can still lead to infringement claims. And even fully original work can be challenged, requiring experienced claims support to defend your position.
“I have long-standing client relationships — they wouldn’t sue me.”
Strong relationships don’t eliminate legal risk. Clients may still pursue action — especially if they are sued themselves over content you produced. Protection is critical for both breach of contract disputes and content-related liability claims.
“I’d never breach an NDA or confidentiality agreement.”
Inadvertent disclosures happen — a verbal slip, leaked information, or accidental exposure of sources can all trigger claims. Publishing or portraying a subject in a way they dispute can also lead to litigation, making defense coverage essential.
