Extra Protection for Your Media Business — When Standard Coverage Isn’t Enough
Every creative business faces unique risks — from equipment damage on set to liability claims during client projects. While your Business Owner’s Policy (BOP) and General Liability Insurance provide strong protection, there are times when a large claim can exceed your standard limits.
That’s where Commercial Umbrella Insurance from Media Business Insurance steps in — offering extended coverage and peace of mind when you need it most.
Service
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Media Liability Insurance
Stay protected against claims of copyright infringement, defamation, or misuse of content. This coverage keeps your brand’s reputation intact and your finances secure.
Production Insurance
From film shoots to ad campaigns, unexpected disruptions can be costly. Our production insurance covers delays, cancellations, and equipment loss so your work never stops.
Cyber & Data Protection
Digital threats are real. We protect your media company from cyberattacks, data breaches, and digital asset theft — keeping your clients’ trust intact.
Equipment & Property Coverage
Insure your cameras, editing systems, sound gear, and production studios against accidental damage, theft, or technical failure.
Professional Indemnity Insurance
If a client claims your work caused financial loss, we’ve got your back. This policy covers legal expenses and compensation claims.
Why Your Media Business Needs Commercial Umbrella Coverage
In the fast-moving world of media and marketing, a single lawsuit or claim can quickly escalate into thousands (or even millions) of dollars in expenses. Standard policies have limits — and once they’re reached, your business could be exposed to serious financial risk.
A Commercial Umbrella Policy acts as a safety net, providing additional liability protection beyond your existing policies like:
General Liability Insurance
Workers’ Compensation
Commercial Auto Insurance
Employer’s Liability
How Umbrella Insurance Works for Media Businesses
Imagine your production company accidentally damages a client’s high-end equipment or a major advertising campaign results in a defamation claim. Your General Liability Insurance might cover a portion — but if the costs exceed your policy limit, your Commercial Umbrella Insurance steps in to cover the rest.
For media agencies, film production studios, and marketing firms, this added protection is invaluable — it ensures one unexpected event doesn’t put your entire operation at risk.
How It Complements Other Coverages
1. Business Owner’s Policy (BOP)
Your BOP bundles General Liability and Property Insurance, offering essential coverage for property damage, equipment loss, and client claims. When those limits are exceeded, Umbrella Insurance provides extra financial protection.
2. General Liability Insurance
This protects you from everyday risks — like client injuries or accidental property damage. But when a single claim surpasses your policy’s limit, your Umbrella Insurance fills in the gap.
3. Workers’ Compensation Insurance
While Workers’ Comp helps with employee injuries and medical costs, Umbrella Coverage can add an extra layer of financial protection for employer’s liability lawsuits that go beyond your primary policy.
Together, these coverages create a complete protection plan for your media business — from day-to-day operations to major, unexpected incidents.
FAQ
Frequently Ask Questions.
It’s an additional layer of liability protection that extends the limits of your existing business insurance policies — like General Liability or Commercial Auto.
Yes. A BOP provides essential coverage, but umbrella insurance increases those limits, protecting you from large claims or lawsuits.
It’s surprisingly affordable — usually a small fraction of your existing policy premium — and offers millions more in protection.
Absolutely. Umbrella Insurance covers legal costs, settlements, and judgments that exceed your other policy limits.
