Media Liability 

⇒  Defamation  

The Insurer agrees to cover all sums which the client becomes legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim first made against him during the period of the policy for any:

• Defamation, including but not limited to libel, slander, trade libel, product disparagement and injurious falsehood; 
• emotional distress or outrage based on harm to the character or reputation of any person or entity; arising out of any media content.

The Insurer also pays costs and expenses.

⇒  Intellectual Property Rights Infringement    

The Insurer covers all sums that the client becomes legally obliged to pay (including liability for claimants' costs and expenses) as a result of any claim first made against you during the period of the policy for any:

• Infringement of any intellectual property rights, including, but not limited to, copyright, trademark, trade dilution, trade dress, commercial rights, design rights, domain name rights, image rights, moral rights, service mark or service name, but not including patent;
• Act of passing-off, piracy or plagiarism or any misappropriation of content, concepts, format rights or ideas or breach of a contractual warranty relating to intellectual property rights;
• Breach of any intellectual property rights license acquired by the client; 
• Failure to attribute authorship or provide credit; arising out of any media content.

The Insurer also covers costs and expenses.