Does Media Liability Cover Social Media?

A media form may define media activities broadly enough to include publication, broadcast, dissemination, or release of content, while an advertising definition in one specimen specifically mentions social media. That does not mean every social account or post is insured. The named business, covered professional services, claim type, and policy period all remain relevant.

A 2021 Journal of Insurance Regulation article by named authors examines social-media claim issues under general liability and homeowners forms, including offense grants and exclusions. It is an analytical article published in the NAIC’s journal, not an NAIC-endorsed coverage rule. Its discussion helps illustrate that a general-liability policy may have different triggers and media-business exclusions.

List business and personal accounts used for work, paid posts, employee posts, and third-party content. Compare media and general-liability wording for intellectual property, defamation, intentional acts, and prior publication. Check platform-specific extensions, territory, limits, and notice rules in the actual quote.