The multimedia industry has transformed considerably in recent decades thanks to advances in technology. It’s not uncommon for professionals to work on multiple projects across multiple forms of media in multiple countries. With such changes, it’s important to try and mitigate the legal risks by obtaining errors and omissions multimedia insurance.
Who Needs Insurance?
Any individuals or agencies associated with the content creation or publication process should consider purchasing a liability policy. Whether you work in print, digital, audio or visual, anyone in the multimedia industry can pursue coverage under these policies. If you are working on a freelance basis, it’s a good idea to check with the agency you are contracted with to understand your obligations.
What Is Covered in the Policy?
Coverage depends on the needs of the professional and what the insurance firm can offer. Many multimedia insurance policies can help protect against claims around:
- copyright infringement
- invasion of privacy
- breach of contract
- unauthorized use of material
It’s usually possible to extend this coverage to include cyber-liability, personal injury or general commercial liability insurance. Many insurance companies will offer discounts if you bundle insurance policies.
There are many options when it comes to E&O multimedia insurance. Before you start to create new content, make sure you and your work are covered.