Media and marketing

A schedule in this class that does not show one of these raises the finding "usually held in media and marketing, not on this schedule". Absence is a question, not a fault: the cover may sit inside another policy or have been declined on purpose.

• Professional indemnity
  Your legal liability for financial loss suffered by a client because of an error, omission or negligent act in the professional service or advice you provided.
• Media liability
  Your legal liability for defamation, infringement of copyright or trademark, breach of confidence and similar wrongs arising from content you publish, broadcast or advertise.
• Public liability
  Your legal liability to third parties for injury or property damage arising from your premises and operations, and in the AU and UK combined form for the products you sell.
• Cyber
  Your own costs after a security incident (forensics, notification, restoration, business interruption from a network outage, extortion) and your liability to others for the data and systems you failed to protect.
• Workers compensation (statutory)
  Medical costs, weekly payments and lump sums for employees injured at work or made ill by it, under the scheme of the state or country where they are employed.
• Directors and officers
  Defence costs and damages when directors, officers and (under management liability) the company itself are pursued for a wrongful act in managing the business: regulators, shareholders, creditors, employees.

Raises the finding "often needed in media and marketing and often lacking, not on this schedule". Worth a written answer either way, so a retained exposure is a recorded decision.

• Property
  Physical loss of or damage to your buildings, plant, stock and contents from fire, storm, water, impact, theft and the other insured perils, up to the sum insured.
• Employment practices liability
  Defence costs and damages for claims by employees and applicants: unfair or wrongful dismissal, discrimination, harassment, bullying, breach of employment contract.
• Intellectual property
  Defence costs and damages when you are accused of infringing a patent, trademark or copyright, and on some forms the cost of pursuing someone who infringes yours.
• Event cancellation
  The costs and lost revenue of an event that is cancelled, abandoned, postponed or relocated for a reason beyond your control, including weather and non-appearance where bought.
• Key person
  A lump sum to the business on the death or total disability of a named person whose loss would cut revenue or trigger debt covenants.
• Business interruption
  The gross profit or revenue you lose, and the extra cost of keeping the business going, while property damage stops or slows you, for the indemnity period the policy states.

Check your schedule against this class

Paste the schedule with a first line industry: media and marketing, or pick the class from the list, and the register names the lines from these two tables that the schedule does not show, beside the arithmetic on every line it does. Six lines free, no account.