National Association of Broadcasters

For over 30 years, we have provided National Association of Broadcasters (NAB) members with the coverage they need to keep up with the media industry’s evolving risks and changing environments.

Our team of underwriting experts has long led the industry with specialized programs tailored specifically for the NAB.

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Karen Baldwin

Vice President

+1- 678-746-0842

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  • Admitted
  • Occurrence policy form
  • Each loss limit with no annual aggregate
  • $20,000,000 Capacity
  • Defense costs in addition to the limit or defense costs within the limit
  • Coverage for the publication, broadcast or other dissemination of matter in any form, including electronically or digitally, and in any method or mode of distribution
  • Pre-publication coverage for claims arising from the acquisition and gathering of matter in addition to the actual publication, broadcast or other dissemination
  • Advertising coverage for the publicity and promotion of Scheduled Media
  • “Damages” includes punitive and exemplary damages, where allowed by law, including most favorable venue language
  • Coverage for third parties who the Name Insured agrees to hold harmless for claims arising out of matter furnished by the Named Insured to the third party
  • “Insured” includes part-time, seasonal, leased or temporary employees and volunteers
  • Independent contractors/freelancers furnishing matter or services to the Named Insured can be covered at the discretion of the Named Insured
  • Severability provision for innocent persons involving claims for fraudulent or criminal acts
  • 90-Day acquisition clause with waiver of additional premium if the acquired entity/media is within the specified revenue threshold
  • No “hammer” clause governing settlement
  • Claim handling features include options for the Named Insured in selecting and employing outside counsel
  • Retractions or corrections are left to the discretion of the Insured
  • Spousal coverage including domestic partners
  • Worldwide coverage (where permissible by law)
  • Primary and excess coverage available
Products & Capabilities

“All-Risk” coverage agreement provides broad protection including but not limited to:

  • Defamation, including emotional distress, outrageous conduct and prima facie tort
  • Invasion of privacy or publicity
  • Infringement of copyright, trademark, title, slogan, misappropriation and plagiarism
  • Breach of a license to use a third party’s intellectual property
  • Breach of agreement to maintain the confidentiality of sources
  • Unfair competition or conspiracy
  • Negligent supervision of an employee
  • Contextual Errors & Omissions coverage (including bodily injury and property damage)
  • Negligent transmission of a computer virus or malicious code in media
  • Personal injury from the acquisition and gathering of matter to be published, broadcast or disseminated
Optional Coverages
  • Business operations personal injury and intellectual property coverage for acts committed in the course of usual and ordinary business operations of the Insured (expands coverage beyond covered media activities to “usual and ordinary business operations” and may fill potential coverage gaps left in CGL policy)
  • Cyber/Technology Services E&O coverage for services such as web site programming, web site hosting or web site maintenance performed for clients
  • Security and Privacy Liability coverage for liabilities arising from claims involving disclosure or theft of protected personal or corporate data
  • Regulatory action defense coverage
  • First Party Coverages - Crisis Management, Public Relations Expense and Computer System Extortion Expense and Loss
  • Professional Services E&O (for Miscellaneous Errors & Omissions exposures)
  • Subpoena Defense and Free Expression Legal Expense
  • Indecency Complaint Defense Costs Coverage
  • Joint Venture Coverage
  • Mitigation Expense Coverage
  • Public Appearance Coverage
World-Class Claims Service

Our industry-leading media claims expertise includes:

  • Dedicated in-house media claims attorneys
  • A network of top intellectual property and First Amendment law firms
  • Risk management and loss control programs available
About NAB
As the premier trade association for broadcasters, NAB advances the interests of our members in federal government, industry and public affairs; improves the quality and profitability of broadcasting; encourages content and technology innovation; and spotlights the important and unique ways stations serve their communities.
This web page is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable insurance policy for specific terms, conditions, limits, limitations and exclusions to coverage. Coverage may not be available in all states and jurisdictions. Coverage is underwritten by a member company of the AXIS group of insurance companies.