AIG vs Beazley: How Do They Compare for Media Liability Insurance?

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. ³Company-reported. AIG’s U.S. Professional Liability product page; the two named descriptions are kept separate and not treated as identical forms.

Beazley sells media liability coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, professional E&O and cyber coverage. It is not sold as a standalone media liability policy for this segment. ⁴Company-reported. US small-business MediaTech product page; does not address any larger-account media liability program Beazley may write separately.

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Beazley's posted Digital MediaTech Application names Beazley Insurance Company, Inc. as the insurer on its cover page. The actual issuing entity for a given policy is confirmed on the quote and declarations, not the blank application. ⁸Company-reported. Application form F00859, 042022 edition; not a regulator record and not evidence of the entity for every state or route.

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. ³Company-reported. Target audience as described by AIG; applicant eligibility and placement availability remain subject to underwriting.

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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. ³Company-reported. AIG’s product summaries; policy wording, definitions, exclusions and conditions determine actual coverage.

The sample MediaTech form's Media Wrongful Act trigger lists defamation, invasion of privacy, false arrest, trespass, plagiarism and copyright infringement, trademark and trade-dress infringement (including cybersquatting), misappropriation of a trade secret, and negligent content, arising from the insured's Media Activities, Professional Services or Tech Services. ⁹Company-reported. Sample policy form F00731, 022019 edition, Media Wrongful Act definition; the issued policy's wording and any endorsements control.

Unfair competition claims under Section 43(a) of the Lanham Act are covered only when alleged together with, and arising out of, one of the form's listed trademark, trade-dress, domain-name or copyright allegations, not as a freestanding unfair-competition claim. ⁹Company-reported. Sample policy form F00731, 022019 edition, Media Wrongful Act definition, item 11.

The sample form excludes claims for licensing-fee or royalty obligations and claims brought by intellectual-property licensing bodies, as well as costs to reprint, repost, recall or remove Media Material, though it does cover resulting loss of use of that material. ⁹Company-reported. Sample policy form F00731, 022019 edition, Licensing Bodies & Joint Ventures and Recall exclusions.

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. ³Not publicly disclosed. AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed.

Unless the declarations list a separate amount, the media liability insuring agreement in the sample form shares the same Policy Aggregate Limit of Liability with the policy's technology, professional and cyber coverages rather than carrying its own dedicated limit. ⁹Company-reported. Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations.

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. ³Company-reported. General professional-liability claims service statement, not a media-specific claims guarantee.

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Beazley says small and midsize MediaTech business, including its media liability component, is placed through third-party placement platforms or by email, with automated processing rather than a direct-to-consumer purchase flow. ⁴Company-reported. MediaTech product page SME placement paragraph; describes the stated distribution channel only.

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Beazley says its cyber and tech claims team, including experienced litigators, handles the E&O and related claims arising under MediaTech, without breaking out a media-specific claims volume or outcome statistic. ⁴Not found in reviewed sources. MediaTech product page claims paragraph, read for media-specific detail on 2026-09-23; no media-liability-specific figures were found on this page.