Does Media Liability Cover Copyright Infringement?

The reviewed Hiscox specimen includes actual or alleged copyright infringement connected to media activities or advertising of professional services. It also excludes certain copyright allegations related to software or source code, and excludes patent and trade-secret claims. This illustrates why a broad reference to intellectual property does not mean every IP dispute is covered.

The policy’s trigger and reporting rules matter as much as the named offense. In the specimen, the relevant activity must occur on or after the retroactive date, the claim must first be made during the policy period, and notice must follow the policy’s requirements. A different form may use different definitions, dates, or carvebacks.

Check how the quote treats text, images, music, footage, software, user submissions, client-supplied material, licensing disputes, and intentional conduct. Ask whether defense costs erode the limit and whether a particular endorsement changes the grant or exclusions. Do not assume a license or platform’s terms replace insurance wording.