Comprehensive media liability insurance
Websites, blogs, social media – they're part and parcel of business today. But the sheer proliferation of media means the chance of making a mistake is greater than ever. And if that happens, your business could be liable.
Media liability insurance – sometimes called errors and omissions or E&O for short – protects you for negligence in your own media content and advertising, including websites, blogs and social media. So you can rest easy knowing if that post backfires, any legal fees and compensation costs will be covered.
Our media liability insurance is designed for the unique needs of media and technology businesses, protecting you for infringement of intellectual property, breach of confidentiality or right to privacy, and breach of comparative advertising regulations.
From £5.35 per month
Pay by the month
Change your cover anytime
Access to specialists
Benefits of media liability cover
Content and social fails
One rogue tweet or misjudged Instagram post, and your business could face claims of defamation, slander or breach of privacy. Media liability insurance protects you for negligence in all your media content, including websites, blogs and social. So, if a post backfires, you'll know that any legal fees and compensation will be taken care of.
We're so used to sharing online that it can be easy to forget that using images or other content without permission could put you in breach of copyright. Media liability insurance is for just those moments, picking up the bill for any compensation and associated legal costs.
Comparative advertising regulations
It's a dog- eat dog world and sometimes you have to take risks to stand out from the competition. But overstep the mark with your advertising and you could be in breach of the comparative advertising regulations, with fines, legal costs and compensation to pay. With media liability insurance, it's covered.
Digital Risks make insurance easy!
Arrange your business insurance in minutes, by getting a quote and buying your policy online. No confusing forms or jargon, just plain English and a fast, seamless experience.
Flexibility and growth
Our monthly subscription model gives you ultimate flexibility, with the option to cancel or change your cover at any time. No more annual contracts, it's insurance that grows with your business.
Making a claim
Need to make a claim? With Digital Risks, it's a piece of cake. No outsourcing to third parties or lengthy delays, all claims are handled by our team personally and on a first-name basis.
We're rated excellent by our customers
Excellent value at an affordable monthly cost. I have not needed use the services. But its good to know I have the insurance there to allow me to get on with my work.
James, J. Black Photography
Flexible. simple, easy, immediate. As a busy freelancer I need flexibility to potentially change the policy month by month - very handy and a feature I didn't find with other providers.
Tim, Graphic Design Freelancer
Excellent service, and really lovely people. Completely understanding of small or start up businesses, and a willingness/ability to be flexible. I'm very happy.
Lorna, Magic Penny Gifts
A super slick interface and all around great experience. Thumbs up Digital Risks! Having spoken to a number of "large" insurers, the pricing I received from Digital Risks was much more competitively priced for "like for like" cover. Highly recommended.
Media liability insurance FAQs
Sometimes called errors and omissions (E&O) insurance, media liability isn’t just for media companies - although they are likely to need it. In fact, it’s designed for any company that produces or publishes content or advertising, online or offline, whether on a website, social media or print publications. And it will protect you for infringement of intellectual property, breach of confidentiality, right to privacy, and breach of comparative advertising regulations, covering any legal or other costs that result.
Digital Risks covers a broad range of business types. Whether you have an established company, a small startup, or you work as a contractor or freelancer, we can certainly take care of you. When you start an online quote, just start typing the first few letters of your business activity and our system will do the rest. And if it’s not on the list, give us a call and we’ll sort you out with a tailored policy.
Media liability is not a legal requirement for businesses in the UK, however it is becoming increasingly important. These days, most businesses have a website, a social media presence, even a blog or content hub, and that means you are responsible for everything that you publish on those channels.
Media liability insurance protects your business from possible errors and omissions within your website, blog and social media, including infringement of intellectual property, breach of confidentiality, right to privacy, and breach of comparative advertising regulation. However, it won’t protect you from professional mistakes that you make in the course of your business activities themselves. To protect your business from these types of claims, you’ll need professional indemnity insurance.
Both the level and the cost of media liability cover that you need will depend on several factors, such as your business activities and how much content you are publishing. You can find out for sure by getting in touch with us and talking over the details.
At Digital Risks, we don’t like to put constraints on anyone, especially our customers. All of our policies are sold as flexible pay-monthly subscriptions, helping you to manage your cash flow, and giving you the freedom to change or cancel your cover at any time.
Invoices for your monthly payments are available on request, so all you need to do is give us a call (or drop us a line), and we’ll get the requested documents sent out to you as quickly as possible. Alternatively, we can set up your account so that you automatically receive these on a monthly basis.
Our monthly subscription model gives you ultimate flexibility, with the option to cancel or change your cover at any time. A small business can grow and change quite frequently, which is why we make it incredibly easy to amend your policy - just get in touch with us by phone, email or webchat in the bottom right corner of this page.
Same goes for making a claim with Digital Risks - we won’t burden you with handling the process. All you need to do is let us know what happened and we will sort everything out for you as soon as possible.
Media liability insurance covers any risks that come with putting information out in the public domain, whether through advertising, content marketing, or social media activities. There are a whole variety of reasons that you could face a claim for the content you choose to publish, for example:
Every industry has its rumours flying around, but you should think twice before using these to promote your business. If one of your team members gets wind of some juicy gossip from a competitor and fires off a tweet about it, your rival is unlikely to take the issue lying down. Just one moment of thoughtlessness could mean facing a claim for defamation, which could be seriously costly and damaging for your brand. So remember, there are other, more positive, ways to get publicity than by slandering your peers.
Every blog and social media post needs an image to catch the attention, which means somebody needs to spend a lot of time tracking down snazzy photos to use. When you’re in a hurry, it’s easy to just grab the first suitable pic you find, but do make sure you have the necessary licences before you click ‘upload’. If you’re caught using unlicensed materials in any advertising or publishing activities, however small, then you could find yourself with a hefty legal bill.
If you’re an online business then cyber liability insurance should be a serious consideration, alongside media liability. Cyber attacks and data breaches are on the rise and the fall-out from an attack can be seriously damaging, ranging from the loss of sensitive client data, to system downtime, damage to your infrastructure, or fines under the new GDPR.
If your business involves a professional service or providing advice, then you’ll also need professional indemnity insurance to protect you against any mistakes you might make in the course of your duties.
And don’t forget that you’re legally required to take out employers liability insurance, which protects you against any claims of accident, illness of injury from employees. With Digital Risks, EL comes in a package with both public and product liability cover, which will protect you from claims of accident or injury from members of the public, as a result of your activities or products.
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We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.
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The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
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Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
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If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk