New Media Liability Coverage Available from Philadelphia Insurance

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Social media, content sharing by media and non-media organizations create large liability exposures.

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Liability exposures continue to increase for many organizations as communication tools for reaching customers, donors, and the public at large change on a daily basis. Organizations with a website, blog, social media account, newsletter, holds conferences, streams video, podcasts or webinars, or broadcasts via television or radio – have an exposure to media liability claims that current insurance program may not adequately address.

Philadelphia Insurance Companies (PHLY) is launching its new Cover Pro Media insurance coverage offering to meet the needs of both media companies and organizations that create or distribute media content. In today’s online society, media exposures (electronic or otherwise) abound for most organizations, regardless of operations or size. Insurance protection is needed, but often lacking, to protect companies from defamation, libel, copyright infringement, invasion of privacy, and other liabilities.

“Organizations find themselves as de facto “publishers” when they host public websites, blogs, post material on social media sites or are involved in traditional broadcasting and publishing activities,” says Thomas Herendeen, Vice President of Underwriting for Management and Professional Liability products for Philadelphia Insurance Companies. “Given PHLY’s significant customer base and the proliferation of online content, along with the explosion of social media; we saw the need to provide coverage for this expanding exposure.”

PHLY’s coverage provides innovative solutions addressing both online and ‘offline’ exposures that social media, publishing, film production, provision of content, and broadcasting pose to most organizations in today’s virtual world. Cover Pro Media includes automatic coverage for independent contractors providing Media Activities on behalf of policyholders and protection for public appearances.

This comprehensive media liability solution compliments PHLY’s other management liability products to better protect its customers. PHLY already offers a market-leading Cyber Security Liability product in addition to numerous management liability products. Expansion into the media liability market is yet another area where PHLY can offer significant value and exceptional customer service.

Coverage for this new product is available on either a Claims Made or Occurrence basis for: TV and radio broadcasters, publishers, film producers, online advertisers and content providers, authors, spokespersons, and a host of other media classes. The Cover Pro Media product is available on an Admitted basis in 20 states and on a non-Admitted basis in others. Ineligible accounts include online gaming, adult entertainment, and provocative content providers.

For more information on the PHLY Cover Pro Media product, please visit our website at or contact a PHLY Marketing Representative at 1-800-873-4552.

About Philadelphia Insurance:
Philadelphia Insurance Companies designs, markets, and underwrites commercial property/casualty and professional liability insurance products incorporating value added coverages and services for select industries. In operation since 1962, the Company, whose commercial lines insurance subsidiaries are rated “A++” (Superior) by A.M. Best Company and “A+” for counterparty credit and financial strength by Standard & Poor’s, is nationally recognized as a member of Ward's Top 50 and National Underwriter’s Top 100. The organization has 45 offices strategically located across the United States to deliver superior service. For more information, please visit

Philadelphia Insurance Companies is the marketing name for the property casualty insurance operations of Philadelphia Consolidated Holding Corp., a Member of the Tokio Marine Group. In the United States, all products are written by insurance company subsidiaries of Philadelphia Consolidated Holding Corp. Coverage may not be available in all jurisdictions and is subject to actual policy language. Certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. Non-insurance products and services may be provided by independent third parties.

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Bill Procopio
Philadelphia Insurance Companies
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