Berkshire Hathaway Specialty Insurance vs CFC: Media Liability Insurance

CFC's media package adds production liability and cyber and publishes limits up to $10,000,000; Berkshire Hathaway Specialty Insurance lists Media Liability in Professional First with an in-house claims group.

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

Berkshire Hathaway Specialty Insurance names Media Liability in Professional First. CFC’s Media & Entertainment package joins media, production liability and cyber tools, with a published $10 million maximum for E&O, media and cyber and a separate $6 million general liability maximum.

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and CFC Media Liability Insurance?

What the Published Offering Defines

Berkshire Hathaway Specialty Insurance identifies Media Liability as a Professional First product, including within a specialized architects, engineers and consultants form. CFC takes a broader package approach for media businesses, combining IP and defamation liability with breach of contract, production-related general liability and cyber coverage. A production company can ask whether its filming exposures belong in CFC’s combined policy; a professional firm should clarify how Berkshire Hathaway Specialty Insurance’s media form relates to its other professional services. [2] [4]

Buying and Policy Details to Resolve

CFC publishes maximum limits of $10 million for media/E&O/cyber and $6 million for general liability, with a minimum deductible of zero. Berkshire Hathaway Specialty Insurance’s reviewed media record gives no corresponding limit. CFC also describes dark-web monitoring, phishing simulations, contract tools and editorial-safeguard questions in its application; those details make the submission more operationally specific. Request Berkshire Hathaway Specialty Insurance’s media limit, deductible and any related services before comparing package totals. [2] [4]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and CFC Media Liability Insurance Quotes?

  • How much of CFC’s shared $10 million ceiling is allocated to the media insuring agreement? [2] [4]
  • What media limits, retention and claims services would Berkshire Hathaway Specialty Insurance quote for this risk? [2] [4]

Areas of coverage

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s Professional First overview names Media Liability as a product; its architects/engineers page also mentions media liability within a specialized combined professional form. The overview is a catalogue statement; the second source is scoped to design professionals and does not prove standalone media terms.company-reportedSource ↗Source ↗
  • eligibility: BHSI lists Professional Services firms among Professional First customer categories and separately identifies media liability in its architects, engineers and consultants product. These sources do not establish the eligible professions or appetite for the standalone media product.company-reportedSource ↗Source ↗
  • services: BHSI says its Professional First business has an in-house claims group and streamlined claim reporting. This is portfolio-level service information, not a promise about outcome or a media-specific claims procedure.company-reportedSource ↗
  • coverage: BHSI also lists media liability within its combined architects, engineers and consultants professional-liability product. This is specific to a specialized design-industry form and does not establish standalone media terms or general availability.company-reportedSource ↗

CFC

  • role: CFC's Media & Entertainment product is a package policy for content and media businesses that combines IP infringement and defamation liability, breach-of-contract cover, general liability for physical production activities, and cyber cover in one policy. Media product page and US product brochure; the policy as issued controls the exact scope for any one customer.company-reportedSource ↗Source ↗
  • insurer: The Media & Entertainment application form names only CFC Underwriting Limited, a UK entity authorized and regulated by the Financial Conduct Authority, as the party administering the form. Neither the media product page nor the application discloses which specific insurer or Lloyd's syndicate capacity backs a given US media policy. Application footer and the regulatory information page, both checked on 2026-09-23; CFC USA Inc. separately holds admitted producer licenses and E&S authorization in NY, TX, GA and CA, but that page does not tie a specific license to the Media & Entertainment product.not-disclosedSource ↗Source ↗
  • coverage: The policy covers IP infringement claims, such as copyright and trademark disputes, and separately covers allegations of defamatory material, addressing risks specific to businesses that create and distribute content. Media brochure 'IP infringement and defamation' section; exclusions and conditions are set by the policy wording, which was not reviewed.company-reportedSource ↗
  • coverage: CFC covers contingent bodily injury and property damage arising from physical production activities like filming, production or events, and includes vicarious liability cover as standard so a media business is protected if held liable for a subcontractor's mistake. Media brochure 'Contingent bodily injury and property damage' and 'Sub-contractors' vicarious liability' sections.company-reportedSource ↗
  • limits: CFC publishes a maximum errors & omissions/media/cyber limit of $10,000,000 and a maximum commercial general liability limit of $6,000,000 for this product, with a minimum deductible of $0. Brochure 'Limits, deductibles and premiums' table; the limit and deductible on an individual policy's declarations control.company-reportedSource ↗
  • services: Media & Entertainment policyholders get the same Response app tools as CFC's other cyber-inclusive lines, such as dark web monitoring, phishing simulations and network deep scanning, plus a LawDepot-powered contract-drafting tool and a contract best-practices guide. Media brochure 'Response app highlights' and 'Other benefits outside of the app' sections.company-reportedSource ↗
  • application: The US media application asks about editorial safeguards, including whether content is legally reviewed before publication, whether talent releases and music licensing sign-off are obtained, and who the chief editor is and how they are qualified. Application form Section 4: Publishing.company-reportedSource ↗
  • eligibility: CFC's media page names bloggers, agents, advertising agencies and traditional media companies among the businesses this package targets, but the reviewed page and brochure do not publish a maximum revenue or company-size threshold for eligibility. Media product page introduction; actual eligibility for a given applicant depends on underwriting review of the application.company-reportedSource ↗
  • claims: CFC's general claims page organizes its claims team by industry and specialization but the reviewed claims and media pages did not describe media-specific claim volumes or outcomes the way the cyber brochure does for cyber claims. Claims page and media product page, both checked on 2026-09-23.not-foundSource ↗Source ↗

Sources reviewed

  1. 01
    Professional First Architects, Engineers and Consultants Professional Liability

    Berkshire Hathaway Specialty Insurance · Retained canonical source record: combined professional/pollution form lists media, technology and cyber/network security/privacy coverages; specialized design/engineering target classes and services. This is not evidence of standalone media terms. Prior actual access 2026-09-28; direct re-open failed in this session. · accessed 2026-09-28

  2. 02
    Professional First Professional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp. 1–2: separately named Professional First Media Liability and Network Security & Privacy; targeted customer categories; in-house claims handling; product portfolio descriptions. Version 2026-06-03-A; re-opened 2026-09-30. · accessed 2026-09-30

  3. 03
    Claims | CFC

    CFC · Claims team organized by industry and specialization; Specialty, Emerging risk, Financial lines, Cyber sections · accessed 2026-09-23

  4. 04
    Media & entertainment | Product brochure (United States)

    CFC · IP infringement and defamation; Breach of contract; Contingent bodily injury and property damage; Sub-contractors' vicarious liability; Comprehensive cyber cover and incident response; Limits, deductibles and premiums table · accessed 2026-09-23

  5. 05
    Media companies Insurance application form (US)

    CFC · Section 4: Publishing; Section 5: Cyber Security Risk Management; Section 6: Claims Experience; footer entity line · accessed 2026-09-23

  6. 06
    Media insurance | Media liability insurance coverage | CFC

    CFC · Media product summary; Key features: libel, slander, IP, content E&O, technology E&O, contractual liability, cyber; Downloads · accessed 2026-09-23

  7. 07
    Regulatory information

    CFC · CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc. · accessed 2026-09-23

  8. 08
    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

  9. 09
    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

  10. 10
    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

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk