What Are the Key Differences Between CFC and Relm Insurance Media Liability Insurance?
What Sits in the Policy
CFC’s Media & Entertainment product combines IP infringement and defamation, breach of contract, contingent bodily injury from physical production, subcontractor vicarious liability and cyber. Relm lists Media Errors and Omissions as a named professional-lines product covering IP and trademark infringement, defamation, breach of confidentiality, breach of professional duty and invasion of privacy. Relm’s reviewed section does not describe production CGL or bundled cyber. Choose CFC if your business films or stages productions and needs production liability with cyber; choose Relm if you want a broker to address confidentiality or professional-duty claims in Media E&O. [2] [9]
Relm names confidentiality and professional-duty claims. CFC’s reviewed brochure does not use those two labels. For a buyer shooting or staging events, CFC’s production grant is on the record; Relm’s reviewed page does not describe that physical-production cover. [2] [9]
Limits on the Record
CFC publishes $10,000,000 E&O/media/cyber and $6,000,000 CGL maxima, with a $0 minimum deductible. Relm’s reviewed page does not publish limits. That gap means you can ask CFC which maxima appear on a quote; Relm’s reviewed page leaves the number to the broker. [2] [9]
How You Apply
Relm sells through insurance brokers and does not describe a direct online quote. CFC’s US application asks about editorial review, talent releases and music licensing. Relm’s reviewed media E&O section does not describe dedicated editorial-review services. CFC Underwriting Limited administers the application; neither reviewed set names the issuing insurer for a given US policy. [3] [9]
CFC names bloggers, agents, advertising agencies and traditional media companies. Relm frames clients in new and disruptive sectors facing high media scrutiny. [4] [9]