AIG vs CFC: 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.

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. ^8,9Company-reported. Media product page and US product brochure; the policy as issued controls the exact scope for any one customer.

Confirm in your quote.

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. ^10,7Not publicly disclosed. 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.

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.

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agencies and traditional media companies among the businesses this package targets, but the reviewed page and brochure do not publish a maximum revenue or company-size threshold for eligibility. ⁸Company-reported. Media product page introduction; actual eligibility for a given applicant depends on underwriting review of the application.

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 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. ⁹Company-reported. Media brochure 'IP infringement and defamation' section; exclusions and conditions are set by the policy wording, which was not reviewed.

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. ⁹Company-reported. Media brochure 'Contingent bodily injury and property damage' and 'Sub-contractors' vicarious liability' sections.

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.

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. ⁹Company-reported. Brochure 'Limits, deductibles and premiums' table; the limit and deductible on an individual policy's declarations control.

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.

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. ⁹Company-reported. Media brochure 'Response app highlights' and 'Other benefits outside of the app' sections.

Confirm in your quote.

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. ¹⁰Company-reported. Application form Section 4: Publishing.

Confirm in your quote.

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. ^11,8Not found in reviewed sources. Claims page and media product page, both checked on 2026-09-23.