What Are the Key Differences Between Beazley and Marsh Media Liability Insurance?
Carrier Product Versus Broker Practice
Beazley underwrites MediaTech, putting media on the same small-business form as technology E&O, professional E&O and cyber. Marsh places media liability, which it describes as errors and omissions coverage for media organizations; Marsh McLennan Agency also lists the line in executive and professional liability. Marsh does not name the issuing insurer; Beazley’s application names Beazley Insurance Company, Inc. Choose Beazley if your small business is comfortable buying media inside the MediaTech bundle; choose Marsh if you operate a television, news or streaming business and want specialist help coordinating related lines. [3] [1] [7] [8]
What Each Coverage Description Includes
Beazley’s sample form specifies the Media Wrongful Act, Lanham Act conditions, licensing-body and recall exclusions, and a shared aggregate unless declarations split media. Marsh says media liability covers defamation, invasion of privacy, copyright infringement, plagiarism and intentional torts. Marsh’s reviewed page does not publish sample-form exclusions or a shared-aggregate rule. [2] [7]
Who Each Names as Buyers
Marsh targets television stations, news organizations, content providers, streaming companies and websites, and says policies can be adapted for agencies, producers, authors, publishers, broadcasters, bloggers and influencers. Beazley’s reviewed MediaTech page addresses small and midsize businesses without that industry list. [3] [7]
How You Buy
Beazley places SME MediaTech through third-party platforms or email. You work with a Marsh media specialist; the page describes advisor-led placement, not a self-serve quote. Marsh’s media risk team also advises on related lines such as property, general liability, umbrella, technology E&O and workers’ compensation. Beazley’s reviewed MediaTech page describes the bundled form rather than that multi-line advisory program. [3] [7]
What Should You Confirm in Beazley and Marsh Media Liability Insurance Quotes?
- Ask Marsh which insurer and form it would use, and whether intentional-tort language is included. [7]
- Ask Beazley whether media shares the MediaTech aggregate and whether you need the bundled tech and cyber sections. [2] [3]
- Compare Beazley’s sample recall exclusion with Marsh’s proposed wording. [2] [7]
- Confirm issuing entities on both quotes. [1] [7]