Best Digital media liability for content creators in USA
Non-sponsored, Expert Verified and Transparently Ranked Digital media liability for content creators in USA
Published: December 17, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Media Liability Insurance by Vouch Insurance scored highest due to Designed specifically for modern, internet-native businesses and creators, Vouch offers digital-first underwriting, coverage for AI-generated content, and tailored policies for startups, agencies, platforms, and influencers producing high volumes of online content..
Content Verification
Side-by-Side Comparison
| Feature | #1 Media Liability Insurance (Vouch Insurance) | #2 Media Insurance (Walterry Insurance Brokers) | #3 Cyber Insurance (QBE North America) | #4 Business Insurance (InsuredBetter.com) | #5 Risk Solutions (Price Forbes) |
|---|---|---|---|---|---|
| Best For | Designed specifically for modern, internet-native businesses and creators, Vouch offers digital-first underwriting, coverage for AI-generated content, and tailored policies for startups, agencies, platforms, and influencers producing high volumes of online content. | Walterry is a long-established specialist brokerage focused almost exclusively on media liability, bringing deep underwriting relationships and industry-specific expertise for content-focused businesses and creators. | The QBE solution is specifically structured around influencer and short-form digital content risk, including training requirements for influencers and coverage designed to handle synchronization, trade libel, unauthorized use, and production practice issues. | Focused on smaller media businesses and freelancers, InsuredBetter emphasizes accessible, specialized coverage for independent creators who may not fit large enterprise programs but still face significant digital media liability exposure. | As a large specialty broker with a dedicated media and technology practice, Price Forbes can place complex, bespoke media liability programs for enterprises operating across multiple channels and jurisdictions. |
| Coverage Scope | Coverage for content-related claims (digital and non‑digital): defamation (libel/slander), copyright and trademark infringement, plagiarism/piracy, invasion of privacy, misappropriation of likeness, and false/misleading advertising; includes legal defense, settlements, and judgments. Applies to content you create/publish, including AI‑generated content; excludes tech E&O, cyber events, and software code infringement. (vouch.us) | Occurrence-form, all-risk media liability covering libel, slander, invasion of privacy, copyright/trademark infringement, misappropriation, negligent publication, and built-in advertising content; includes subpoena defense, punitive damages where insurable, internet liability for new websites, and protection for confidential sources, comprehensive for claims from gathering and communicating information. (walterry.com) | Coverage includes network security and privacy liability; privacy regulatory proceedings; online media liability; event expenses and bricking; network extortion; business interruption and dependent BI with claims-prep costs; consequential reputational loss; and a reward fund. (qbe.com) AI-focused options add AI regulatory compliance and LLMjacking cost protection. (qbe.com) | Scope includes general liability (bodily injury, property damage, advertising injury), commercial property, commercial auto, workers’ compensation, and professional liability; optional product liability, business interruption/loss of income, key person, cybercrime, records/data loss, and specialty coverages. (insuredbetter.com) Media liability covers defamation, invasion of privacy, copyright/trademark infringement, plagiarism, with defense costs up to policy limits. (insuredbetter.com) | Media liability covering defamation, content liability, copyright infringement, and broadcaster risk; also offers Tech E&O, Cyber, IP, D&O, casualty, property, PI, product recall, and contingent business interruption for CMT clients. (priceforbes.com) |
| Tailored Policies | Tailored to your stage and vertical with instant limit advice; Vouch provides coverage recommendations and customizes Media Liability limits and terms to your risk profile, including add-ons and endorsements, with exclusive coverages engineered for tech companies. (vouch.us) | Policies are tailored by media segment: occurrence-based media liability for film/TV producers and a CPB/PBS/NPR, designed policy for Public Broadcasting Stations, plus dedicated programs for TV/radio stations, newspapers, podcasters, and film/video producers (via AXIS). Segment options include E&O/libel and production coverages like equipment, props, sets, wardrobe, and faulty stock/camera/processing. (walterry.com) (walterry.com) (walterry.com) | QCyberProtect provides bespoke, tailored cyber coverage configurable for SMEs to global corporations, with primary/excess capacity up to $10M and optional integration with Professional Liability. (qbe.com) QBE also tailors add-ons for emerging risks, including AI regulatory/LLMjacking protections and influencer-focused media liability to complement cyber policies. (qbe.com) | Independent agents tailor business insurance to each company’s risks, customizing core coverages and add‑ons. (insuredbetter.com) Policies aren’t one‑size‑fits‑all; media liability is often custom, named‑peril, letting businesses buy only the specific coverages they need. (insuredbetter.com) | Designs bespoke, multi-line programmes and tailored liability policies for communications, media and technology clients, including media liability (defamation, content, copyright, broadcaster), Tech E&O, cyber, IP and contingent business interruption; placed via London and Bermuda markets with expert structuring and analytics. (priceforbes.com) |
| Pricing Transparency | No public pricing; premiums are custom-quoted online. (support.vouch.us) Applicants complete an 8, 10 minute form and receive instant pricing, based on factors like company size, revenue, and employees. (support.vouch.us) Vouch promotes “pricing in minutes” and offers transparent quotes that explain pricing drivers and limit options. (vouch.us) | No public pricing. Walterry provides media insurance quotes only upon request and via submitted applications; no rate tables or online price calculator are available. (walterry.com) | QBE North America provides no public cyber premium/pricing online. Policies are quoted via brokers/underwriters; the site directs brokers to contact QBE. Collateral notes service tiers tied to policy premium thresholds (e.g., >$35K, >$100K), but no rates or examples are disclosed. (qbe.com) | Provides average cost estimates and a Business Insurance Cost Calculator; estimates are explicitly non-final, with final prices via agent quotes; using agents adds no extra customer fees. No fixed price list. (insuredbetter.com) | No published pricing or fee schedule. Risk Solutions are bespoke; pricing is determined via tailored placements after contacting Price Forbes. No online disclosure of broker commissions/remuneration found. (priceforbes.com) |
Vouch InsuranceCompany Information
Description
At Vouch, we put people first and serve our clients with integrity and excellence. Vouch’s mission is to craft the best insurance for those building the future.
What They Do
Vouch provides business insurance solutions tailored for technology, healthcare, and professional services industries.
Who They Serve
Vouch serves innovative companies and startups across various sectors.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Media Liability Insurance from Vouch protects businesses and individuals who create, publish, or distribute digital content, including influencers and content creators in the U.S. It covers legal defense, settlements, and judgments from claims such as defamation, copyright and trademark infringement, invasion of privacy, misappropriation of likeness, and false or misleading advertising.
Key Features
- Coverage for allegations of copyright infringement
- Coverage for libel, slander, plagiarism, and piracy related to content creation
- Applies to both digital and non-digital content formats
- Policy limits tailored to company needs
Key Benefits
- Protection against costly copyright infringement claims (damages can be as high as $150,000 per incident, not including legal fees)
- Covers legal costs and settlement charges for covered claims
- Fills coverage gaps left by General Liability policies
- Recommendations and add-ons tailored to company stage and vertical
- Streamlined digital application and claims process
Who Is It For
- Startups
- Technology companies
- Companies using content creation to drive marketing
- Companies making public announcements (e.g., product launches)
- Companies purchasing Errors & Omissions (E&O) insurance
Use Cases
- Purchasing E&O insurance
- Making public announcements (e.g., 'Introducing our new Startup' posts)
- Ramping up marketing efforts
- Hiring contractors for content creation (e.g., videos, music)
- Social media activity mentioning competitors
Media liability INSURANCE
Protection against allegations of copyright infringement, defamation, or libel/slander.
Media Liability Insurance with Ore
What Media Liability does & doesn't cover. Recommendations based on stage and vertical. Which add-ons make sense for your startup.
- What Media Liability does & doesn't cover
- Recommendations based on stage and vertical
- 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.
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.
- 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
FROM THE ACTUARIES
Media Liability Claims Examples
- Social post alluding to competitor triggers libel lawsuit
- Alleged content creation copyright infringement
COMPARE
Why Business Insurance from Vouch: Apply in 10 minutes or less, activate protection within 24 hours, exclusive coverages engineered for technology companies, AM Best rating of A (Excellent), streamlined claims process.
- Apply in 10 minutes or less
- Activate protection within 24 hours
- Exclusive coverages engineered for technology companies
- AM Best rating of A (Excellent)
- Streamlined claims process
Resources
Supporting Resources
Detailed Comparison
Coverage Scope
Tailored Policies
Pricing Transparency
Walterry Insurance BrokersCompany Information
Description
Walterry Insurance Brokers specializes in media liability insurance, producers errors and omissions (e&o) insurance, producers liability insurance, business, and professional liability insurance. Licensed in all 50 States, we are a full-service independent insurance broker located in Clinton, Maryland, a suburb of Washington, D.C.
What They Do
Provide various types of insurance including media liability, business liability, personal, life, group benefits, and health insurance.
Who They Serve
Clients across the United States in both the commercial and personal insurance sectors.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Walterry Insurance Brokers offers specialized media liability insurance for publishers, broadcasters, filmmakers, and online content producers in the United States. Their coverage is designed to address risks such as libel, slander, copyright infringement, invasion of privacy, and producers’ errors and omissions for both traditional and digital media.
Key Features
- Occurrence based media liability policy
- Coverage for libel and other media-specific risks
- Policies tailored for film, TV, radio, newspapers, and podcasters
- General Managing Agent for AXIS Insurance Company
- Underwriting and policy issuance in a paperless environment
Key Benefits
- True occurrence based media liability coverage
- Policies designed specifically for media organizations
- Paperless policy issuance
- Expertise in media insurance market
- Coverage for a wide range of media professionals and organizations
Who Is It For
- Film producers
- Television producers
- TV and radio broadcast stations
- Newspapers
- Podcasters
- Public Broadcasting Stations
- Members of the National Federation of Press Women
- Association of Public Television Stations
Media Insurance
Walterry Insurance Brokers designed and wrote one of the first true occurrence based media liability policy for Film and Television producers. Walterry also worked with the Corporation for Public Broadcasting, Public Broadcasting Service and National Public Radio to design a policy to protect Public Broadcasting Station. Walterry then established a Public Broadcasting Purchasing Group. We are a General Managing Agent for the AXIS Insurance Company. We are recognized as one of the largest providers of insurance to newspapers, broadcasters, film, and TV producers in the media liability insurance market. Walterry Insurance Brokers underwrites and issues all policies in a paperless environment.
Variants / Subtypes
- Association of Public Television Stations
- Film Producers
- National Federation of Press Women
- Newspaper Libel
- Podcaster Libel Insurance
- TV and Radio Broadcast Station
Contact
Walterry Insurance Brokers, 7411 Old Branch Avenue, Clinton, Maryland 20735. Phone: (301) 868-7200. Toll Free: (800) 638-8791. Office Hours: Mon-Thu: 8:00am-5:00pm, Fri: 8:00am-4:00pm, Sat-Sun: Closed.
Resources
Detailed Comparison
Coverage Scope
Tailored Policies
Pricing Transparency
QBE North AmericaCompany Information
Description
QBE Insurance is a specialist insurer providing a range of insurance products across commercial, personal, and specialty lines, with a commitment to building strong customer relationships.
What They Do
Provide a wide range of insurance products and risk management solutions.
Who They Serve
Commercial, personal, and specialty insurance customers across various regions.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
QBE North America offers a media liability solution addressing emerging exposures for brands, influencers, and content creators, including defamation, copyright, privacy, and AI-related risks. The product is structured to complement existing general liability or cyber policies, filling gaps and providing clear, unambiguous coverage for both brands and influencers.
Key Features
- Network security and privacy liability: Protection for legal costs and damages from data breaches, privacy violations, or security failures, including sensitive customer data and PCI-DSS liability.
- Business interruption: Compensation for lost income due to a cyber event, including dependent business interruption and third-party forensic accounting costs.
- Cyberattack response and recovery costs: Covers event costs, system restoration, forensic investigations, crisis communications, legal costs, data restoration, and bricking.
- Network extortion and ransomware: Cover for ransom payments, negotiation costs, and system recovery.
- Reputation and brand damage: Protection for reputational harm and related financial losses due to a cyber event.
- Social engineering and fraud: Cover for losses caused by deceptive tactics such as impersonation-based and business email compromise payment fraud, invoice manipulation, funds transfer fraud, and telephone scams.
- Regulatory investigations: Cover for costs related to privacy or data protection investigations.
- Online media liability: Protection against claims related to digital content, including copyright or defamation.
- Emerging threats: Includes cover for cryptojacking, betterment expenses, and emergency costs.
- Reward fund: Reimbursement for rewards paid to individuals who provide credible information that helps solve a cybercrime.
Key Benefits
- Tailored coverage that adapts to specific business needs.
- Protection before, during, and after a cyber incident.
- Access to a global team of expert cyber underwriters and claims specialists.
- Strategic cyber support, including tools and resources for risk assessment, response planning, and secure document storage.
- Complimentary and preferred pricing arrangements for cyber services through QBE and preferred vendor partnerships.
- Broad risk appetite across industries and business sizes.
- Almost 140 years of insurance expertise.
Who Is It For
- Businesses of all sizes, from small enterprises to large corporations.
- Organizations seeking protection against cyber risks, including those in industries such as legal, professional services, financial services, and private equity.
What we cover
Details the types of coverage included in the cyber insurance policy.
- Network security and privacy liability
- Business interruption
- Cyberattack response and recovery costs
- Network extortion and ransomware
- Reputation and brand damage
- Social engineering and fraud
- Regulatory investigations
- Online media liability
- Emerging threats
- Reward fund
Integrated cyber insurance solutions
Flexible options for cyber insurance, including standalone and multi-policy coverage.
- Standalone cyber insurance
- Multi-policy insurance
Why choose us?
Highlights QBE's expertise, global reach, tailored approach, and full lifecycle protection.
- Global cyber team with proven claims experience
- Broad risk appetite
- Almost 140 years of insurance expertise
- Protection before, during and after an incident
- Tailored cover that fits
- Strategic cyber support
Cyber services - powered by real people
Describes the Global Cyber Services Team and their role in helping businesses prepare for and respond to cyber threats.
- Prepare for a cyberattack
- Improve insurance outcomes
- Strengthen your cyber resilience
Cyber insights and reports
Access to expert reports and white papers from the global cyber team.
- Private equity firms enhancing cyber resilience of portfolio companies
- Cyber threats to the legal and professional services sector
- Cyber threats to the financial services industry
- Connected business: digital dependency fuelling risk
- 2024 Cyber Insurance Report
Threat intelligence webinars
Quarterly, region-specific webinars to help organizations understand the threat landscape.
Resources
Detailed Comparison
Coverage Scope
Tailored Policies
Pricing Transparency
InsuredBetter.comCompany Information
Description
InsuredBetter connects customers with independent insurance agents for business and personal insurance coverage.
What They Do
Connect customers with independent insurance agents for personalized insurance solutions.
Who They Serve
Individuals and businesses seeking insurance coverage.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
InsuredBetter.com helps arrange specialized media liability insurance for small publications, freelance writers, and digital content creators, covering libel, slander, invasion of privacy, copyright and trademark infringement, plagiarism, and related risks. The service connects U.S.-based creators with tailored policies that pay defense costs and judgments up to policy limits.
Key Features
- Customizable coverage options
- Coverage for property damage, liability, and employee injuries
- Additional options for cybercrime, product liability, business interruption, and more
- Support from local independent agents
- Online quote request and calculator tools
Key Benefits
- Protection against financial loss from unexpected events
- Coverage tailored to business-specific risks
- Access to independent agents who shop multiple insurers
- Potential for discounts and cost savings
- Peace of mind and business continuity
Who Is It For
- Business owners
- Managers
- Small and mid-sized businesses
- Businesses with employees
- Businesses with commercial property or vehicles
- Professionals required by law to carry liability insurance
What Is Business Insurance?
Business insurance refers to a full package of policy options designed to protect businesses from financial loss after unexpected events. Policies are tailored to business needs and commonly cover property damage, liability, and employee accidents or injuries.
Is Business Insurance Required?
States regulate insurance requirements to protect you, your employees, and your customers. Legal requirements focus on unemployment insurance, workers' compensation, professional liability, and disability insurance.
- Unemployment insurance
- Workers' compensation insurance
- Professional liability insurance
- Disability insurance
What Does Business Insurance Cover?
Coverage typically focuses on general liability, commercial property, commercial vehicle, workers' compensation, and professional liability/malpractice insurance.
- General liability insurance
- Commercial property insurance
- Commercial vehicle insurance
- Workers' compensation
- Professional liability and malpractice insurance
Additional Business Insurance Options
Depending on your business, you may require additional coverage such as product liability, loss of income, key person insurance, cybercrime insurance, records retention, and specialty coverage.
- Product liability insurance
- Loss of income (business interruption)
- Key person insurance
- Cybercrime insurance
- Records retention policies
- Specialty coverage
How Much Does Business Insurance Cost?
Cost varies by business type, assets, employees, coverage, and risk. Average is around $200/month. Use the calculator or consult an agent for a quote.
- Fire & natural disasters
- Theft
- Hacking
- Legal liability
- Employee injury
- Customer injury
- Equipment
How Can I Save on Business Insurance?
Look for safety, bundling, group, and loyalty discounts. Discounts are at the insurer’s discretion and more likely for low-risk businesses with positive claims history.
- Safety discounts
- Bundling discounts
- Group discounts
- Loyalty discounts
Business Insurance FAQs
Answers to common questions about business insurance, costs, requirements, tax deductibility, flood and lawsuit coverage, BOP, E&O, and LLC needs.
Resources
Supporting Resources
Detailed Comparison
Coverage Scope
Tailored Policies
Pricing Transparency
Price ForbesCompany Information
Description
Price Forbes is a leading independent specialty insurance broker headquartered in London, specializing in navigating complex risk with clarity and confidence.
What They Do
Price Forbes provides tailored insurance solutions across major classes including Aviation, Marine, Property, and Specie to help clients navigate risks.
Who They Serve
They serve various industries, including Aviation, Construction, Energy, Financial Services, Life Sciences, Marine, and more.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Price Forbes provides media liability coverage as part of its Communications, Media & Technology practice, serving media companies, broadcasters, digital platforms, and other content-driven organizations. Its policies cover defamation, content liability, copyright infringement, and broadcaster risks for U.S. and global clients.
Key Features
- Customised risk assessment and solution design
- Coverage for both emerging and established risk types
- Industry and geography-specific expertise
Key Benefits
- Bespoke insurance strategies tailored to unique client challenges
- Expertise in anticipating and addressing complex, evolving risks
- Access to a wide range of specialist insurance products and solutions
Who Is It For
- Businesses and organizations facing complex or emerging risks
- Clients across a wide range of industries and geographies
- Entities with unique or non-standard insurance needs
Risk Solutions
At Price Forbes, our legacy powers our progress. We’ve been shaping specialist insurance solutions for decades, long before disruption became the buzzword. Risk isn’t static. It evolves, multiplies, and takes new shape across industries, geographies and time. That’s why our innovative solutions are crafted to anticipate complexity and respond with precision. Whether it’s emerging exposures or long-standing challenges, we deliver bespoke, pioneering insurance strategies to address your unique challenges.
List of specialist risk solution types offered by Price Forbes.
- Accident & Health
- Alternative Risk Transfer
- Analytics
- Business Interruption
- Captives
- Cargo & Stock Throughput
- Casualty
- Contingency Insurance
- Cyber
- Directors' & Officers' Liability
- Employment Practices Liability
- Financial & Professional Risks
- Parametric Solutions
- Political Risk
- Product Liability & Recall
- Programmes & Binders
- Property
- Specie Insurance
- Structured Credit
- Surety & Bonds
- Terrorism & Political Violence
- Transactional Risks
- Private Clients & High Net Worth
- UK & Ireland Commercial
- Reinsurance
Let’s make history together
Whatever the challenge, we’re ready. Talk to us about your next move.
Resources
Supporting Resources
Detailed Comparison
Coverage Scope
Tailored Policies
Pricing Transparency
Our Ranking Methodology
How we rank these offerings
We ranked these Digital media liability offerings for content creators in the USA based on three key factors: Coverage Scope (40% weight), Tailored Policies (35% weight), and Pricing Transparency (25% weight). Media Liability Insurance scored highest because of its comprehensive coverage for digital content creators and tailored policy options, despite lacking detailed pricing transparency. Media Insurance followed for its robust content-specific coverage and flexibility in policy tailoring. Cyber Insurance was next for its focus on emerging risks complementing existing coverages. Business Insurance lagged slightly due to broader focus rather than media-specific, while Risk Solutions had weakest performance due to less transparency and focus on general media rather than content creators specifically.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for media liability insurance for content creators in the USA?
- Pricing models for media liability insurance can significantly vary depending on the scope of coverage, the size of the digital media operation, and the specific risks involved. For example, InsuredBetter.com connects content creators with policies tailored to their specific needs, which may include costs for covering defense costs and judgments up to certain limits. Vouch also structures its pricing to ensure comprehensive coverage against various claims like defamation and copyright infringement, which can be more cost-effective for influencers and creators compared to broader, non-specialized insurance options.
- What key selection criteria should U.S. content creators consider when choosing media liability insurance?
- Content creators should consider factors such as the breadth of coverage for risks like copyright infringement and defamation, as offered by Vouch and Walterry Insurance Brokers. Additionally, creators should evaluate whether a policy, like those from QBE North America, addresses emerging exposures such as AI-related risks. Finally, ensuring that coverage fills gaps complementing any existing general liability policies, as per Price Forbes' offerings, can prevent potential overlaps and ensure comprehensive protection.
- How do industry standards and compliance impact media liability insurance for digital creators?
- Maintaining compliance with industry standards is crucial for reducing liability risks, as insurance like Walterry's takes into account adherence to legal and ethical publication practices. Proper understanding of defamation laws and copyright regulations can prevent potential claims, thus positively influencing insurance costs and terms. Insurances such as those from Price Forbes emphasize coverage designed to accommodate both U.S. and global compliance requirements, ensuring that creators are protected in diverse legal environments.
- What are common implementation challenges for media liability insurance, and what solutions exist?
- Challenges in implementing media liability insurance include understanding the specific risks that digital content carries, like those related to privacy and AI, which QBE North America’s solutions address. Selecting appropriate coverage levels to match the creator's exposure can also be challenging; however, services like those offered by InsuredBetter.com simplify this by connecting creators to policies tailored to their needs. Choosing insurers offering clear and comprehensive policy language helps avoid ambiguities during claims settlement, which is a notable feature of Vouch’s policies.
- What is the ROI of investing in media liability insurance for content creators?
- The return on investment for media liability insurance comes from the potential avoidance of costly legal battles and settlements related to defamation, copyright, and privacy claims. By securing coverage through providers like these mentioned, creators can prevent disruptions to their business operations, which is invaluable compared to potential litigation costs. Moreover, coverage from companies like Walterry Insurance Brokers ensures that even emerging risks like those associated with digital media evolution are covered, offering peace of mind and financial security.
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