Rebroadcast without permission
Channels and pages airing your shows as their own.
Broadcaster insurance
Broadcaster insurance: coverage for radio, TV, and streaming broadcasters.
The short answer
Broadcaster insurance from CreatorSure is media liability for what you put on air, plus Fight Back. Media liability pays for your defense when someone says a broadcast defamed them, used their work or invaded their privacy, including something a host, guest or caller said. Fight Back helps pay for a lawyer when someone rebroadcasts or reposts your programming without permission.
Everything you air is published. Broadcaster insurance covers what comes back.
Get a quoteWhat it covers
What broadcaster insurance covers
Two halves, one quote. Media liability for when someone comes after you. Fight Back for when you need to go after them.
- Defamation claims over news, talk, commentary and call-in segments
- Copyright claims over music, clips and footage you air
- Privacy claims from people you record, film or name on air
- Claims over your archive and on-demand library, not only live programming
- Fight Back for rebroadcast programming, stolen clips and copycat stations
CreatorSure will place a policy that covers the way you work. Coverage depends on your policy terms.
The risks
Real risks broadcasters face
- Live air. A host, guest or caller says something false about a real person.
- News and investigations. Naming people and businesses draws libel and privacy claims.
- Music and footage. A track, clip or image you aired without the right license.
- Ads you run. A sponsor's spot draws a claim, and the station that aired it gets named.
- Simulcasts and streams. Programming that lives online long after it airs.
Fight Back
Fight Back: when someone takes your programming
Most insurance waits for you to get sued. Fight Back helps pay for takedowns, demand letters and a lawyer to go after people who take your work. It's for theft you find after your policy starts.
Clips monetized by others
Accounts cutting your segments and earning from them.
Copycat names and logos
Someone using your call letters, show name or branding.
Lies about your station
False claims that cost you advertisers.
Someone ripping off your work?
Proof of insurance
Proof of insurance for networks, syndicators and advertisers
Networks, syndicators, streaming platforms, advertisers and venues for live events often ask for proof of coverage. Once you're covered, CreatorSure sends a certificate of insurance to anyone who needs it.
General liability
Why general liability usually doesn't cover broadcast content
General liability, or GL, is the policy lots of small businesses buy. One part of it, Coverage B, is for personal and advertising injury. For an ordinary business, like a plumber, that part typically covers defamation claims.
Broadcasting is named in that exclusion, so that part is usually limited or excluded for a station or show. This is called the media exclusion, and GL doesn't address claims over your content the way media liability does.
Keep GL for physical accidents (CreatorSure covers general liability too and will place it alongside your media liability), and add media liability for your content.
Cost
Broadcaster insurance cost and quoting
There's no flat price, and we won't guess at one here. Your broadcaster insurance cost depends on your audience and reach, how you earn money, your formats (news, talk, call-in and live shows differ from music programming), the limits a network or advertiser asks for, and your claims history.
CreatorSure builds the quote around you, so you're not paying for extras you don't need. See what moves the price, then request a quote for a real number.
FAQ
Broadcaster insurance FAQ
Do broadcasters need media liability insurance?
Yes. Everything you air is published content, and claims over it name the station or show. Media liability covers those claims.
Does it cover radio, TV and streaming?
Yes. CreatorSure covers radio stations, TV and cable programming, internet radio and streaming broadcasters, and will place a policy that fits how you air.
Am I covered for what a guest or caller says?
You aired it, so claims over a guest's or caller's words usually come to you. Media liability covers those claims. Tell us about your formats and CreatorSure will place a policy that covers them.
Does it cover my archive and on-demand shows?
Yes. Tell CreatorSure about your library and your policy will cover it too. It doesn't cover a dispute you already know about.
How much does broadcaster insurance cost?
There is no flat price. It depends on your reach, formats and the limits you need. See what moves the price and request a quote.
Who we cover
More creator insurance
Get a quote
Get a quote. Keep making it. We've got your back.
- 1
Tell us about you
Fill out the quote form with a few details about what you do.
- 2
We build your custom quote
We put it together around the coverage you actually want.
- 3
Pick your coverage
We walk you through your options in plain English. You decide. No pressure.
Not sure what you need? Tell us what you make. A real person reads every request and gets back to you.
Coverage depends on your policy's terms, conditions and exclusions.