Media insurance

Media business public liability insurance

In case your business causes an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your business
• an injury or illness caused by your business activities
• accidental damage or injuries caused by your employees

For example:

• a light fitting in your office falls and causes a client a head injury
• while delivering a pitch, you leave your laptop cable running across the floor, tripping your client and causing an elbow injury

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your employee injures their lower back during an office move and holds you responsible
• a contractor you’ve hired slips on your wet office kitchen floor, breaking their elbow

Media professional indemnity insurance

In case there’s a claim for loss-causing errors or issues with your work.

What’s typically covered by professional indemnity insurance?

Claims against your media company for professional negligence or a loss-causing breach of contract. This can include:

• advice which turns out to be incorrect
• mistakes in your work that cost others money to fix

For example:

• you miss a contractual deadline due to supply chain issues, delaying your client’s product launch
• an SEO agency you’ve recommended cause your client’s performance to drop, and they sue you for poor advice

Read more about professional indemnity insurance

Business and office equipment insurance

In case something happens to the equipment you rely on.

What’s typically covered by business and office equipment insurance?

• accidental damage to the equipment you use to run your media company
• theft, flood, and fire damage

For example:

• two mobile phones you’ve just had delivered fall out of their packaging onto your concrete office floor, smashing their casing
• an employee drops their work laptop onto a wet pavement, causing it to break

Read more about business and office equipment insurance

Legal expenses insurance

In case you face legal costs in connection with your media business.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your media company
• property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
• tax and compliance disputes and investigations you need help with
• access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis PR support to help you protect your industry reputation

For example:

• you incur legal costs when your employee sues you for unfair dismissal
• an employee steals client files when they leave your company, and you need to hire legal representation

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

• accidental injury or death at or outside of work, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you break your collarbone while playing rugby, and can’t come into the office for a week
• your business partner falls down the office stairs, fracturing their knee which ends up requiring surgery

Read more about personal accident insurance

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does media insurance cover my work correctly?

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider advertising insurance or designers insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

• Management consultant insurance
• Marketing consultant insurance
• Photography insurance
• Videographer insurance
• It consultant insurance
• Web marketing

Other types of insurance

• Limited company insurance
• Self-employed insurance
• Freelance insurance
• Consultant insurance
• Contractors insurance
• Sole trader insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.