AIG vs CNA: Media Liability Insurance

CNA's Epack 3 is a modular policy combining cyber, media, technology and professional liability, with a shorter quote form for smaller risks; 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 CNA Media Liability Insurance?

CNA combines media liability with cyber and professional coverages

AIG markets Media Content and Publishers and Broadcasters as distinct media-related offerings. CNA describes Epack 3 as a modular policy combining cyber, media, technology and professional-liability coverages. This may help a business seeking one coordinated program, while AIG’s page separates audience types. Ask whether CNA’s selected media component fits your publication and whether its limit is shared with the other modules. [1] [4]

CNA identifies short intake for smaller risks

CNA’s sell sheet says Epack 3 shortened quote intake for smaller risks, including fewer media-liability questions. AIG links to product information and application materials but does not describe the same intake feature in the reviewed claim. For a smaller publisher, ask CNA what information is still required and compare the final policy wording, not just the application length. [4] [1]

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

  • Ask CNA which modules and limits are selected and what media perils and subpoena options apply. [4]
  • Match AIG’s media offerings to your content type and requested form. [1]

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 ↗

CNA

  • role: CNA describes Epack 3 as a modular policy that combines cyber, media, technology and professional-liability coverages. This is a bundled program description; selected coverage parts and limits require the issued policy.company-reportedSource ↗Source ↗
  • coverage: CNA’s Epack 3 sell sheet describes cover for common media perils and says subpoena assistance and mitigation-related options are available. The sell sheet does not enumerate all covered perils or establish that every option is included.company-reportedSource ↗
  • services: CNA says media and professional-liability customers can access risk-mitigation resources and its cyber page describes specialized risk-control support. The service statements are company-reported and do not establish a specific service entitlement on a given policy.company-reportedSource ↗Source ↗
  • application: CNA’s sell sheet says Epack 3 shortened quote intake for smaller risks, including fewer questions for media liability. The source does not state a universal revenue threshold or promise quote/bind timing.company-reportedSource ↗

AIG names separate content and publisher offerings; CNA combines media liability with cyber, technology and professional liability in a modular Epack 3 policy.

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
    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

  3. 03
    Cyber Insurance - Cyber Risk Solutions

    CNA · Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30. · accessed 2026-09-30

  4. 04
    Epack 3 – Cyber, Media, Technology & Professional Liability

    CNA · Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30. · accessed 2026-09-30

  5. 05
    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

  6. 06
    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

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