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Why Purchase Media Perils Liability Insurance?

Anyone who collects and shares information, or simply put “publishes,” can face legal claims and the attendant, often staggering, legal costs that can arise from the gathering and communication of information. The variety and number of claims and the size of settlements and verdicts against media organizations constantly increases; particularly because of on-line publishing. Although First Amendment rights provide a first line of defense, the cost of lawyers, time and effort and the potential for a settlement, for which there is typically no line item in your budget, makes the prospect of transferring the risk of such an event to an insurance company extremely worthwhile; hence media perils liability insurance provides insurance protection for negligent publishing or authoring.