Business Insurance for Mass Media Companies


Mass Media Firms Face Unique Risks

The Mass Media industry is evolving rapidly as information is disseminated in new and innovative ways every day. Businesses in this dynamic and growing industry face unique and ever-changing risks. The Hartford offers a broad array of insurance solutions that businesses in television broadcasting, publishing and printing, radio broadcasting, media distribution, movie, film and video production and other areas within the sphere of mass media can tailor to address the unique risks facing their particular operation.
Recommended Coverage for Mass Media Businesses
Property Choice® provides protection for the things that matter most to mass media businesses. This can include coverage if:
 
  • Electronic data or computer equipment is damaged by a covered cause of loss.
  • Built-in or mobile equipment breaks down.
  • The firm loses income because utilities such as electricity or communications services are interrupted due to a covered cause of loss.
  • Satellites need recalibration or tuning due to a covered loss.
Property Choice for mass media services covers electronic vandalism in addition to property damage to business personal property and ensuing business income losses.

Broadcasters depend on transmission towers and Property Choice from The Hartford can cover damage to a tower as well as the income that is lost due to the covered damage while the tower is inoperable.
A General Liability Choice® policy from The Hartford covers bodily injury or property damage liability. This includes protection for operations that are taking place both on and off-site.
 
This is extremely important to companies in the media industry that conduct most of their business and operations on location or away from their home office.
 
Additionally, General Liability Choice coverage from The Hartford provides automatic additional insured and waiver of subrogation clauses, which may be required by vendors. This reduces the need for adding additional endorsements and automatically covers employees as defined in the policy. Our general liability coverage can easily be added to other policies with The Hartford as needed.
Umbrella and excess liability coverage can help businesses in the media industry financially survive the potentially devastating costs of a significant liability claim that exceeds the business’s primary liability coverage. Umbrella and excess liability coverage serve as a safety net for mass media businesses. In the event that a liability claim exceeds the limits of the mass media company’s primary general liability coverage, auto or employee liability coverage, umbrella and excess liability coverage helps cover costs that surpass primary coverage limits.
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 
Management liability coverage helps protect against management liability risks faced by mass media businesses and their leaders. Our offering includes:
 
  • Directors, Officers and Entity Liability Coverage (D&O) – helps protect mass media businesses, their directors, officers and management team against loss that arises out of the day-to-day decision making operations and management of the company.
  • Employment Practices Liability Coverage (EPL) – helps protect mass media businesses from damages and defense costs that arise out of employment-related disputes, including but not limited to alleged discrimination, sexual harassment, violation of the Family and Medical Leave Act, refusal to hire and wrongful termination or discipline.
  • Fiduciary Coverage – helps cover employee claims related to the design, administration and maintenance of company-sponsored retirement, health, and other employee benefit plans.
  • Crime Coverage – helps protect mass media businesses against loss from employee theft, computer fraud, and other similar crimes.
  • Kidnap/Ransom & Extortion Coverage (K&R) – helps protect against financial losses due to kidnap and ransom/extortion, both in the U.S. and abroad.
  • Representations and Warranties Coverage (R&W) – helps mass media businesses reduce common merger and acquisition (M&A) risks.
Additional Solutions for Mass Media Businesses
The Hartford is a leading provider of Workers’ Compensation Insurance. Our XactPAY® program for workers’ compensation offers pay-as-you-go premium payments based on actual monthly payroll figures. With XactPay, businesses often find they are better able to manage cash flow fluctuations and minimize audit adjustments. Further advantages of our XactPay program are that it eliminates the large premium down payment and monthly billing or finance fee that typically accompanies standard workers’ compensation insurance plans. Best of all, this is offered at no extra cost.
Most media businesses rely on one or more mobile vehicles to assist with business operations. These operations can include driving cinematographers to a location for a shoot, transporting media equipment such as microphones, studio lights and cameras, or simply driving to meet with talent or a client.

The Hartford’s commercial auto coverage helps protect the vehicles that a business owns, leases, rents or borrows – on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, as well as lease and loan gaps. In addition, The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety.
Marine insurance helps protect mass media businesses that operate domestically and internationally. Whether transporting over the ocean or inland, marine coverage from The Hartford can help cover expensive broadcasting and communications equipment when it is transported to offsite locations.
Mass media businesses handle highly valuable and sensitive data about customers, clients and business finances. This could include private information such as credit card and Social Security numbers or personal and intimate images and information that individuals would not want to have made public. The Hartford’s data breach coverage can be added to our General Liability Choice policy or it can be purchased as a separate, standalone cyber liability policy.

In the event of a breach where personally identifiable information is lost or stolen, this coverage helps pay the costs of notifying impacted individuals, managing public relations, good faith advertising, and more. Additionally, coverage includes access to professionals who can provide guidance on data breach prevention best practices, regulatory compliance, and methods for handling a breach crisis if one occurs. In most states, coverage is also available for defense and liability expenses in the event you're sued because of a breach.
The Hartford’s innovative Risk Engineering team strives to help companies run safer and ultimately more profitable businesses with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security. We can work directly with mass media companies to ensure work environments are safe, employees are trained for emergencies and all safety equipment is up-to-date.
 

Mass Media Customer Claims Reviews

About our Customer Reviews

The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

Guidelines for reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

In general, reviews are published if they are relevant to the experience and not defamatory.

While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.
 

Mass Media Insurance

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The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.