La Playa Media & Digital: Insurance with Intelligence®

Super-Intelligent Insurance for Busy Professionals

La Playa: Insurance with Intelligence®

Podcast Insurance

If you’re a content creator who makes podcasts, you should protect yourself with errors & omissions (E&O) insurance. At La Playa, we provide specialist podcast insurance to help keep you protected from all kinds of risks, including copyright infringement and defamation.

Our podcast producer clients wrestle with issues like:

  • Being accused of breaching copyright
  • Legal action around mistakes and misrepresentation
  • Concerns about privacy risk
How errors and omissions insurance can protect your podcast

As a producer, both you and your productions are exposed to a number of risks from the moment they are delivered and distributed. Networks, distribution channels, and stakeholders expect you to protect them from the financial impact of all of these risks. The liability falls on you.

The most comprehensive way to protect yourself and the distributor against the various risks of podcast production is to buy E&O insurance before you distribute your work. This can help settle the costs of any investigations, settlements and legal defense if you have to fight a claim against you in court.

At La Playa, our specialist podcast insurance helps protect you against any financial impact of professional errors - either through mistakes, negligence or a contractual breach.

What does our podcast errors & omissions insurance cover?

Our E&O insurance coverage can help you if:

  • You have been accused of copyright infringement
  • You inaccurately convey information in a podcast or documentary
  • Your production is classed as defamation and damages are awarded

E&O insurance will not be able to protect you from any costs incurred from criminal damage or any willful wrongdoing. However, we understand that professional mistakes do happen, so we design our podcast insurance to cover these situations.

Four things to consider before buying podcast insurance:
  1. Timing: some producers will wait until they deliver their productions to broadcasters before arranging podcast insurance. If a claim is made before delivery, then any costs incurred throughout the defense, as well as penalties, will fall on the shoulders of the producer. We advise obtaining your E&O insurance during the planning stages of the production to keep you protected.
  2. Deductible: most insurance policies include some level of deductible on all errors and omissions claims, and the deductible on these types of policy tends to be much higher than commercial ones. Your deductible can influence the overall price of the policy, so it’s wise to speak with your broker about the best balance of deductible to the policy premium. You will need to pay the deductible if you need to make a claim, so keep that in mind when selecting the level.
  3. Consider any obligations in the policy: a proposal document will need to be completed before a podcast insurance policy starts. You will need to provide us with information that is wholly accurate and doesn’t misconstrue facts. The proposal form should include a rundown of all requirements for clearance, and they must be adhered to. If you fail to do so, the policy will be voided which may impact your ability to purchase future policies.
  4. Risk management: make sure that you talk through all of the possible production risks with your trusted insurance advisor. This will help you establish the best way to prevent claims relating to errors and omissions.

If you'd like to know more about errors and omissions insurance or would like to talk through your specific needs, contact us today.

Download: MediaTech Brochure

What does our podcast errors & omissions insurance cover?

Our E&O insurance coverage can help you if:

  • You have been accused of copyright infringement
  • You inaccurately convey information in a podcast or documentary
  • Your production is classed as defamation and damages are awarded

E&O insurance will not be able to protect you from any costs incurred from criminal damage or any willful wrongdoing. However, we understand that professional mistakes do happen, so we design our podcast insurance to cover:

  • Timing: some producers will wait until they deliver their productions to broadcasters before arranging podcast insurance. If a claim is made before delivery, then any costs incurred throughout the defense, as well as penalties, will fall on the shoulders of the producer. We advise obtaining your E&O insurance during the planning stages of the production to keep you protected.
  • Deductible: most insurance policies include some level of deductible on all errors and omissions claims, and the deductible on these types of policy tends to be much higher than commercial ones. Your deductible can influence the overall price of the policy, so it’s wise to speak with your broker about the best balance of deductible to the policy premium. You will need to pay the deductible if you need to make a claim, so keep that in mind when selecting the level.
  • Consider any obligations in the policy: a proposal document will need to be completed before a podcast insurance policy starts. You will need to provide us with information that is wholly accurate and doesn’t misconstrue facts. The proposal form should include a rundown of all requirements for clearance, and they must be adhered to. If you fail to do so, the policy will be voided which may impact your ability to purchase future policies.
  • Risk management: make sure that you talk through all of the possible production risks with your trusted insurance advisor. This will help you establish the best way to prevent claims relating to errors and omissions.

If you'd like to know more about errors and omissions insurance or would like to talk through your specific needs, contact us today.

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La Playa's specialist Mediatech team can help you protect your business with smart, flexible, high-performance insurance - with a friendly human UI. We understand the risks and pressures you face - and we speak your language. We’ll support you with great advice - helping you make good decisions for your organization. Our specialist policies can help streamline costs, and we’ll always help you stay ahead of the game in managing risk.

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