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Media Liability in Minnesota

For Minnesota publishing work, keep written, broadcast, and newspaper content categories distinct: libel and slander generally have a two-year filing period, while statutory retraction and third-party-broadcast provisions apply to narrower media formats. 1,2,3

What Is Media Liability?

Media liability can help pay defense costs for claims about content you create or distribute, such as allegations of defamation or infringement. Consider it if you publish or produce content for your business or clients; match the quote to each activity. Read the national Media liability guide.

What to Watch for in Minnesota

  • Calendar the two-year libel and slander period

    Minnesota includes libel and slander among actions generally commenced within two years. Track publication and claim dates, then compare them with the policy’s separate claim-reporting and retroactive-date terms. 1

  • The retraction statute is written for newspaper libel

    Section 548.06 applies to libel published in a newspaper. It requires the plaintiff to serve the publisher at its principal place of publication with notice identifying the statements and requesting withdrawal; failure to publish the specified retraction within one week permits a claim for general as well as special damages. Even after a retraction, general damages may remain unless the defendant shows the publication was made in good faith and under a mistake as to facts. Candidate publications have added placement and election timing conditions, and the section excludes libel imputing unchastity. 2

  • A broadcast defense is limited to another person’s statement

    Section 544.043 concerns a defamatory statement in a radio broadcast made by someone other than the station, its agents, or employees, and requires due care. Its text does not create a general defense for online video, print, or a broadcaster’s own statement. 3

Who Regulates Insurance in Minnesota

Minnesota Department of Commerce

The Minnesota Department of Commerce regulates insurance companies and producers, reviews rates and forms, and investigates complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of taxable gross premiums less return premiums, plus a 0.04% stamping fee on taxable premium when Minnesota is the insured's home state When Minnesota is the insured's home state, 3% tax applies to taxable gross premiums less return premiums; the separate 0.04% stamping fee on taxable premium is paid by you to the broker. Minnesota requires a policy warning that insolvency loss payment by a nonadmitted insurer is not guaranteed. A diligent search generally applies unless a Minnesota-licensed producer unaffiliated with the surplus-lines broker refers the risk, which the statute deems unavailable from a licensed insurer; an exempt commercial purchaser also has a separate written-request route after the required admitted-market disclosure. 7,10,8,9,11

Minnesota Surplus Lines Association

Providers With Documented State Licenses

These providers publish a national listing for Media liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Minnesota. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 13
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 14

Questions to Ask Before You Buy in Minnesota

  1. Which policy definition of a claim applies to a written demand, subpoena, or suit?
  2. Who selects counsel, and do defense expenses reduce the media limit?
  3. Which content activities, formats, platforms, and client work are scheduled or excluded?

Media Liability in Minnesota: FAQ

Does Minnesota’s newspaper retraction procedure cover a web post or client campaign? 2

Section 548.06 is written for libel published in a newspaper. Do not extend it to other formats without legal advice; ask the insurer how the quoted policy treats your actual distribution channels. 2

Does Minnesota’s radio and television provision guarantee a defense? 3

No. Section 544.043 addresses a narrow liability defense for a statement made by someone else in a radio broadcast when the station shows due care. It does not decide policy coverage. 3

Media Liability in Other States

Other Coverage in Minnesota

Sources

  1. Minnesota Statutes § 541.07. Minnesota Revisor of Statutes; Subd. 1, introductory sentence and clause (1): two years for libel and slander; 2025 Minnesota Statutes. Accessed 2026-09-28.
  2. Minnesota Statutes § 548.06. Minnesota Revisor of Statutes; Newspaper-only scope, written notice at publisher’s principal place, one-week retraction, candidate and unchastity exceptions; 2025 Minnesota Statutes. Accessed 2026-09-28.
  3. Minnesota Statutes § 544.043. Minnesota Revisor of Statutes; Radio broadcast by another person; due-care condition and federal-compliance clause; 2025 Minnesota Statutes. Accessed 2026-09-28.
  4. Insurance. Insurance; Insurance regulator and consumer resources. Accessed 2026-09-28.
  5. Insurance License Lookup. Insurance; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Insurance; Insurance complaint topic; filing portal, complaints line, email contact. Accessed 2026-09-28.
  7. Minn. Stat. §297I.05. Minnesota Revisor of Statutes; 3% on gross premiums less return premiums when Minnesota is insured's home state; 100% taxable in Minnesota. Accessed 2026-09-28.
  8. Instructions for 2026 Semiannual Stamping Fee Report. Minnesota Surplus Lines Association; 2026 report p.1, lines 82–94: stamping fee rate .0004 (0.04%) of policy premium for transactions effective on or after October 1, 2016; current report linked from the association's 2026 site. Accessed 2026-09-28.
  9. Minn. Stat. §60A.207. Minnesota Revisor of Statutes; 2025 text, lines 250–255: policy notice states insurer is not otherwise licensed in Minnesota and insolvency loss payment is not guaranteed. Accessed 2026-09-28.
  10. Minn. Stat. §297I.01. Minnesota Revisor of Statutes; Definition of gross premiums for nonadmitted insurance includes fees, assessments and other consideration, with stamping fee and operating assessment exclusions. Accessed 2026-09-28.
  11. Minnesota Statutes 2025, §60A.201. Minnesota Revisor of Statutes; 2025 Minn. Stat. §60A.201 subd.1 (admitted-market restriction); subd.5 (ECP disclosure and subsequent written request); subd.6 (risk referred by unaffiliated Minnesota-licensed producer deemed unavailable). Amendments listed through 2025. Accessed 2026-09-28.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  14. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  15. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  16. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  17. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  18. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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