--- title: "Media Liability Coverage in North Dakota" description: "North Dakota’s correction statute ties economic-damages limits to a timely request and adequate correction; the response window also affects limitations timing." canonical: "https://spot.insure/coverage/media/north-dakota" page-type: "coverage-state-guide" updated-at: "2026-09-29" coverage-line: "media" state: "north-dakota" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/media/north-dakota) ## Agent Guide **What this page is:** Media guide for North Dakota: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering media questions specific to North Dakota. For the general concept, use /coverage/media; for other coverage in North Dakota, use /coverage/states/north-dakota. **Questions this page answers:** - Do I need media in North Dakota? - What are North Dakota's media requirements? - Who regulates insurance in North Dakota? - Which providers hold North Dakota licenses for media? **Key facts:** - State regulator: North Dakota Insurance Department. - Reported surplus-lines tax rate: 1.75% - 2 providers listed with North Dakota license records. **Limits (do not over-claim):** - State information reflects the cited sources at their access dates; confirm current requirements with the state regulator. - A provider's presence in the license list does not confirm the product is available in this state; absence does not mean unlicensed. Verify with the regulator's license lookup. - Some license records rely on company-reported information rather than independent regulator verification. - Informational only; does not determine whether a policy meets a specific business's needs. **Provenance:** 15 numbered sources with access dates; updated 2026-09-29. **Related pages:** - [Media (national guide)](https://spot.insure/coverage/media) — national concept guide - [Business insurance in North Dakota](https://spot.insure/coverage/states/north-dakota) — state hub: regulator and other coverage - [Business insurance by state](https://spot.insure/coverage/states) — all states - [Coalition](https://spot.insure/insurance-providers/coalition) — provider with state license record - [Corgi](https://spot.insure/insurance-providers/corgi) — provider with state license record # Media Liability Coverage in North Dakota North Dakota’s Uniform Correction or Clarification of Defamation Act applies to electronic as well as other publications. A good-faith correction request within 90 days after learning of the publication preserves access to more than provable economic loss; an adequate correction generally must be made within 25 days after learning of relevant facts or 45 days after the request. Calendar the statutory response window and retain the request and publication history.[^1][^2] **Coverage:** [Media liability](https://spot.insure/coverage/media) · [North Dakota](https://spot.insure/coverage/states/north-dakota) ## What Is Media Liability Insurance? 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](https://spot.insure/coverage/media). ## What to Watch for With Media Liability in North Dakota ### Check whether the written demand is a statutory request North Dakota requires the claimant’s written request to identify the challenged statement and its alleged defamatory meaning, and to state why it is false. Route the request to counsel promptly and preserve the envelope, email headers, and any attachments.[^1] ### Calendar the two correction periods A timely and sufficient correction generally must be made within 25 days after the publisher learns relevant facts or 45 days after receiving the request, whichever is later. The correction must be communicated in a way that reaches a similar audience; preserve placement and distribution records.[^1] ### Treat the 90-day request period as a damages issue A claimant who does not make a good-faith effort to request correction within 90 days after learning of the publication may be limited to provable economic loss. Record when the claimant learned of the item and coordinate any correction with insurer consent.[^1][^2] ## Who Regulates Insurance in North Dakota? **North Dakota Insurance Department.** The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms.[^3][^4][^5] - [Regulator website](https://www.insurance.nd.gov/) - [License lookup](https://www.insurance.nd.gov/producers/print-license) - [File a complaint](https://www.insurance.nd.gov/consumers/complaints) - Phone: 701-328-2440 ### Surplus-Lines Tax and Stamping Office in North Dakota **Reported tax rate:** 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds.[^6][^7][^8] ## Which Media Liability Providers Have North Dakota License Records? These providers publish a national listing for Media liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in North Dakota; [check the regulator’s license lookup](https://www.insurance.nd.gov/producers/print-license) and confirm state availability for your business when requesting a quote. - [Coalition](https://spot.insure/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Covers:** Coalition’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.[^10] **Coverage membership:** Coalition identifies media liability within its Active Cyber policy. - [Corgi](https://spot.insure/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** Corgi’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.[^11] **Coverage membership:** Corgi lists media liability insurance among its coverage offerings. ## Questions to Ask Before You Buy Media Liability in North Dakota 1. When did the claimant learn of the publication and what date did the publisher receive the written request? 2. Can the proposed correction meet North Dakota’s 25/45-day timing and reach a comparable audience? 3. What publication, distribution, and correction evidence will the insurer need? ## Media Liability Insurance in North Dakota: Frequently Asked Questions ### What happens if a North Dakota publisher does not receive a timely correction request? A claimant who does not make a good-faith request within 90 days after learning of the publication may be limited to provable economic loss.[^1] ### How soon should the publisher assess a requested correction? The statute generally requires an adequate correction within 25 days after learning relevant facts or 45 days after the request, whichever is later.[^1] ## Media Liability Insurance Guides for Other States - [Alabama](https://spot.insure/coverage/media/alabama) - [Alaska](https://spot.insure/coverage/media/alaska) - [Arizona](https://spot.insure/coverage/media/arizona) - [Arkansas](https://spot.insure/coverage/media/arkansas) - [California](https://spot.insure/coverage/media/california) - [Colorado](https://spot.insure/coverage/media/colorado) - [Connecticut](https://spot.insure/coverage/media/connecticut) - [Delaware](https://spot.insure/coverage/media/delaware) - [District of Columbia](https://spot.insure/coverage/media/district-of-columbia) - [Florida](https://spot.insure/coverage/media/florida) - [Georgia](https://spot.insure/coverage/media/georgia) - [Hawaii](https://spot.insure/coverage/media/hawaii) - [Idaho](https://spot.insure/coverage/media/idaho) - [Illinois](https://spot.insure/coverage/media/illinois) - [Indiana](https://spot.insure/coverage/media/indiana) - [Iowa](https://spot.insure/coverage/media/iowa) - [Kansas](https://spot.insure/coverage/media/kansas) - [Kentucky](https://spot.insure/coverage/media/kentucky) - [Louisiana](https://spot.insure/coverage/media/louisiana) - [Maine](https://spot.insure/coverage/media/maine) - [Maryland](https://spot.insure/coverage/media/maryland) - [Massachusetts](https://spot.insure/coverage/media/massachusetts) - [Michigan](https://spot.insure/coverage/media/michigan) - [Minnesota](https://spot.insure/coverage/media/minnesota) - [Mississippi](https://spot.insure/coverage/media/mississippi) - [Missouri](https://spot.insure/coverage/media/missouri) - [Montana](https://spot.insure/coverage/media/montana) - [Nebraska](https://spot.insure/coverage/media/nebraska) - [Nevada](https://spot.insure/coverage/media/nevada) - [New Hampshire](https://spot.insure/coverage/media/new-hampshire) - [New Jersey](https://spot.insure/coverage/media/new-jersey) - [New Mexico](https://spot.insure/coverage/media/new-mexico) - [New York](https://spot.insure/coverage/media/new-york) - [North Carolina](https://spot.insure/coverage/media/north-carolina) - [Ohio](https://spot.insure/coverage/media/ohio) - [Oklahoma](https://spot.insure/coverage/media/oklahoma) - [Oregon](https://spot.insure/coverage/media/oregon) - [Pennsylvania](https://spot.insure/coverage/media/pennsylvania) - [Rhode Island](https://spot.insure/coverage/media/rhode-island) - [South Carolina](https://spot.insure/coverage/media/south-carolina) - [South Dakota](https://spot.insure/coverage/media/south-dakota) - [Tennessee](https://spot.insure/coverage/media/tennessee) - [Texas](https://spot.insure/coverage/media/texas) - [Utah](https://spot.insure/coverage/media/utah) - [Vermont](https://spot.insure/coverage/media/vermont) - [Virginia](https://spot.insure/coverage/media/virginia) - [Washington](https://spot.insure/coverage/media/washington) - [West Virginia](https://spot.insure/coverage/media/west-virginia) - [Wisconsin](https://spot.insure/coverage/media/wisconsin) - [Wyoming](https://spot.insure/coverage/media/wyoming) [Other Coverage in North Dakota](https://spot.insure/coverage/states/north-dakota) ## Sources for Media Liability Insurance in North Dakota [^1]: [North Dakota Century Code Chapter 32-43 — Uniform Correction or Clarification of Defamation Act](https://ndlegis.gov/prod/cencode/t32c43.pdf) — North Dakota Legislative Branch; Sections 32-43-03 to 32-43-07: demand content, 90-day good-faith request window, 25/45-day correction periods, damages limitation, and tolling. Accessed 2026-09-29. [^2]: [North Dakota Century Code Chapter 28-01 — Limitation of Actions](https://ndlegis.gov/cencode/t28c01.pdf) — North Dakota Legislative Branch; Limitation periods for civil actions including injury to personal rights; accrual and limitations rules. Accessed 2026-09-29. [^3]: [North Dakota Insurance Department](https://www.insurance.nd.gov/) — North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance.. Accessed 2026-09-28. [^4]: [Print License / Search for an Agent](https://www.insurance.nd.gov/producers/print-license) — North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date.. Accessed 2026-09-28. [^5]: [Complaints](https://www.insurance.nd.gov/consumers/complaints) — North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form.. Accessed 2026-09-28. [^6]: [Surplus Lines](https://www.insurance.nd.gov/producers/other-licenses/surplus-lines) — North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status.. Accessed 2026-09-28. [^7]: [N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance](https://ndlegis.gov/cencode/t26-1c44.html) — North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements.. Accessed 2026-09-28. [^8]: [Surplus Lines](https://www.insurance.nd.gov/producers/other-licenses/surplus-lines) — North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds.. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^13]: [Licenses](https://www.nextinsurance.com/insurance-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. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^15]: [Licenses](https://www.vouch.us/legal/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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/media/north-dakota.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)