AIG vs Beazley: Media Liability Insurance

Beazley sells media liability only inside its small-business MediaTech form, which by default shares one aggregate with tech and cyber cover and is placed through platforms or email; AIG separates Media Content from Publishers and Broadcasters.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

What Are the Key Differences Between AIG and Beazley Media Liability Insurance?

Beazley bundles media liability with other technology coverages

AIG markets Media Content separately from Publishers and Broadcasters, with examples tailored to content developers, publishers and broadcasters. Beazley includes media liability in MediaTech alongside technology E&O, professional E&O and cyber; it is not sold standalone for this small-business segment. Unless declarations provide a separate amount, Beazley’s media coverage shares the policy aggregate with those other coverages. Buyers should assess whether one shared limit can support simultaneous media and technology claims. [1] [4]

Beazley’s form lists specific wrongful acts and conditions

The Beazley sample form names defamation, privacy, plagiarism, copyright, trademark and negligent content among media wrongful acts, and limits freestanding unfair-competition claims unless tied to listed IP allegations. AIG gives examples of media allegations but does not provide the same form-level wording in its overview. Ask both providers for wording matched to your activities. [3] [1]

What Should You Confirm in AIG and Beazley Media Liability Insurance Quotes?

  • Check whether Beazley declarations set a separate media limit and how it interacts with cyber and E&O. [4]
  • Ask AIG which offering and policy form covers your publishing or broadcast activities. [1]

AIG distinguishes Media Content from Publishers and Broadcasters; Beazley embeds media liability in MediaTech with a shared aggregate unless declarations set a separate amount.

Sources reviewed

  1. 01
    Professional Liability Insurance

    AIG US · Media Content, lines 344–348; Publishers and Broadcasters, lines 349–353; claims expertise lines 273–279; broker contact lines 385–389; legal footer policy-language caveat lines 485–489. · accessed 2026-09-30

  2. 02
    Beazley Digital Media Tech Application

    Beazley · F00859, 042022 edition, Beazley Insurance Company, Inc.; page 1 claims-made-and-reported notice and General Information · accessed 2026-09-23

  3. 03
    Beazley MediaTech Sample Policy

    Beazley · F00731, 022019 edition; Media, Tech, Data & Network Liability insuring agreement; Definitions: Media Wrongful Act, Media Activities, Media Material; Exclusions: Licensing Bodies & Joint Ventures, Recall; Limit of Liability and Coverage · accessed 2026-09-23

  4. 04
    MediaTech for Small Businesses

    Beazley · Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; SME placement paragraph; claims team paragraph · accessed 2026-09-23

  5. 05
    Media Application Form — United States

    CFC Underwriting Limited · Sections 1–2 PDF pp.2–5; Section 3 pp.5–6; Section 4 pp.7–8; Sections 6–7 pp.10–11 · accessed 2026-09-16

  6. 06
    Media Liability Coverage Part

    Hiscox · I p.1; IV–V pp.2–3; VI pp.3–7; VII pp.7–8 · accessed 2026-09-16

  7. 07
    Insurance for Social Media Liability

    Journal of Insurance Regulation; authors Kevin T. Merriman, David M. Knapp, Meghan E. Ruesch and Nicole M. Weir · PDF pp.5–7 abstract/summary; PDF p.4 nonendorsement disclaimer; CGL personal and advertising injury and media-business exclusion discussion · accessed 2026-09-16

Areas of coverage

AIG

  • role: AIG markets two distinct media-related offerings on its Professional Liability page: Media Content and Publishers and Broadcasters. AIG is the marketing name; the legal footer says products are written or provided by subsidiaries or affiliates and does not name the issuer for an individual policy. AIG’s U.S. Professional Liability product page; the two named descriptions are kept separate and not treated as identical forms.company-reportedSource ↗
  • eligibility: AIG describes Media Content for companies developing or distributing media content, and the separate Publishers and Broadcasters product for publishing and broadcasting companies. These descriptions identify target audiences; they do not establish that every media business qualifies. Target audience as described by AIG; applicant eligibility and placement availability remain subject to underwriting.company-reportedSource ↗
  • coverage: For Media Content, AIG lists examples including trademark or copyright infringement, defamation, false light, false imprisonment, product disparagement and emotional-distress allegations. For Publishers and Broadcasters, it describes risks related to news reports, podcasts and content distributed through wireless devices. These are marketing examples, not a statement that each allegation is covered under a buyer’s policy. AIG’s product summaries; policy wording, definitions, exclusions and conditions determine actual coverage.company-reportedSource ↗
  • services: AIG says its professional-liability claims function uses in-house claims professionals and third-party experts, collaborates with clients through the claims process, and draws on claims data to help evaluate and mitigate loss. The page does not give a media-specific service standard or promise a claim outcome. General professional-liability claims service statement, not a media-specific claims guarantee.company-reportedSource ↗
  • limits: The reviewed page does not state standard limits, retentions or deductibles for either media offering. Confirm the applicable amounts and wording in the quote and policy. AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed.not-disclosedSource ↗

Beazley

  • role: Beazley sells media liability coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, professional E&O and cyber coverage. It is not sold as a standalone media liability policy for this segment. US small-business MediaTech product page; does not address any larger-account media liability program Beazley may write separately.company-reportedSource ↗
  • insurer: Beazley's posted Digital MediaTech Application names Beazley Insurance Company, Inc. as the insurer on its cover page. The actual issuing entity for a given policy is confirmed on the quote and declarations, not the blank application. Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route.company-reportedSource ↗
  • coverage: The sample MediaTech form's Media Wrongful Act trigger lists defamation, invasion of privacy, false arrest, trespass, plagiarism and copyright infringement, trademark and trade-dress infringement (including cybersquatting), misappropriation of a trade secret, and negligent content, arising from the insured's Media Activities, Professional Services or Tech Services. Sample policy form F00731, 022019 edition, Media Wrongful Act definition; the issued policy's wording and any endorsements control.company-reportedSource ↗
  • coverage: Unfair competition claims under Section 43(a) of the Lanham Act are covered only when alleged together with, and arising out of, one of the form's listed trademark, trade-dress, domain-name or copyright allegations, not as a freestanding unfair-competition claim. Sample policy form F00731, 022019 edition, Media Wrongful Act definition, item 11.company-reportedSource ↗
  • coverage: The sample form excludes claims for licensing-fee or royalty obligations and claims brought by intellectual-property licensing bodies, as well as costs to reprint, repost, recall or remove Media Material, though it does cover resulting loss of use of that material. Sample policy form F00731, 022019 edition, Licensing Bodies & Joint Ventures and Recall exclusions.company-reportedSource ↗
  • limits: Unless the declarations list a separate amount, the media liability insuring agreement in the sample form shares the same Policy Aggregate Limit of Liability with the policy's technology, professional and cyber coverages rather than carrying its own dedicated limit. Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations.company-reportedSource ↗
  • application: Beazley says small and midsize MediaTech business, including its media liability component, is placed through third-party placement platforms or by email, with automated processing rather than a direct-to-consumer purchase flow. MediaTech product page SME placement paragraph; describes the stated distribution channel only.company-reportedSource ↗
  • claims: Beazley says its cyber and tech claims team, including experienced litigators, handles the E&O and related claims arising under MediaTech, without breaking out a media-specific claims volume or outcome statistic. MediaTech product page claims paragraph, read for media-specific detail on 2026-09-23; no media-liability-specific figures were found on this page.not-foundSource ↗

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