As the digital landscape continues to evolve, media professionals face a growing number of liability exposures related to content, data, and technology. Colonial General Insurance Agency, Inc. offers a specialized Media Professional Liability Insurance program designed to help agents and brokers place coverage for clients in media, technology, and digital communications industries.
Overview of the Program From Colonial General
Colonial General is a regional Managing General Agency and Excess & Surplus Lines Broker with deep experience in professional liability and technology-related exposures. Through access to multiple markets, including both admitted and non-admitted carriers (where available), Colonial General provides tailored solutions for media professionals who depend on electronic data and content to operate their businesses. This program is built to cover the unique risks in today’s content-driven economy, offering agents a reliable market for hard-to-place or emerging exposures.
Ideal Accounts and Appetite
This program is ideal for businesses involved in:
- Digital marketing and advertising firms
- Content creators and publishers
- Public relations and media consultants
- Web developers and tech startups
- Broadcasting companies and podcast producers
You might have a client who runs a boutique digital marketing agency or a new media startup that produces video content across multiple platforms. These clients often face potential claims related to copyright infringement, defamation, or data breaches—risks that this program is designed to address.
Coverage Highlights and Advantages
Colonial General’s Media Professional Liability Insurance offers broad protection, including:
- Network Liability – Covers third-party liability resulting from security failures or unauthorized access.
- Electronic Media Liability – Protection against defamation, copyright/trademark infringement, and other content-related risks.
- Technology Errors & Omissions – Covers losses due to mistakes or failures in service delivery.
- Business Income Loss – Includes dependent business income loss coverage for interruptions caused by third-party vendors.
- Restoration Costs – Helps cover the expense of restoring lost or damaged data.
- Public Relations and Investigative Expenses – Support for managing reputational damage and incident response.
- Extortion Threats – Coverage for handling cyber extortion or ransomware demands.
Underwriting Notes and Minimum Premiums
Colonial General works with a range of carrier partners, and underwriting guidelines may vary by class and size of business. While minimum premiums are not specified, submissions should include a solid risk profile and complete application details to ensure timely quoting. The program can accommodate both new ventures and established businesses, depending on the carrier fit.
Territories and Availability
This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted vs. non-admitted options may vary by state and risk class.
Why Work With Colonial General
Colonial General brings a high level of expertise in professional liability and cyber-related coverages, backed by strong market access and regional underwriting insight. Agents and brokers benefit from responsive service, knowledgeable staff, and the ability to place unique or emerging risks. Whether your client is a startup content creator or a growing tech PR agency, Colonial General can help you find the right protection for their evolving digital exposures.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for media professionals such as digital marketers, content creators, web developers, and public relations consultants.
Is this coverage available on an admitted basis?
Admitted markets are available in some states, depending on the class of business and risk profile. Colonial General also offers access to non-admitted carriers where necessary.
Can I submit new ventures for consideration?
Yes, new ventures may be considered depending on the details of the operation and the carrier appetite. A complete application is recommended.
What states is this program offered in?
The Media Professional Liability program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What types of exposures does this coverage address?
The coverage addresses risks such as network security failures, content-related liabilities, data restoration costs, income loss, and cyber extortion threats.
Need help placing an account? Connect with a market specialist.