Podcast Insurance

Podcast Insurance

Making podcasts?  You'll need Errors & Omissions insurance similar to that used by film and TV producers. 

As a producer, you’re exposed to a variety of risks as soon as your podcast is distributed. Broadcasters, distributors and financiers of productions expect you as the producer to insure against these risks. The solution is to take out Errors & Omissions (E&O) Insurance prior to the distribution of your work, to cover the costs of investigation, settlements and defence if a claim is made against ‘you the producer’.

Errors and Omissions insurance protects your organisation from the financial impact of professional mistakes - either negligence or breach of contract.   

What if...

  • Someone accuses you of infringing their copyright?
  • You accidentally misuse information in a documentary or podcast notes
  • Your work is deemed defamatory and you have to pay damages?

What's covered?

E&O Insurance does not cover you for costs arising from criminal charges or any deliberate wrong doing. But professional mistakes do happen, and E&O insurance can help with:

  • Infringement of any intellectual property rights – including copyright, music rights, patent, trademark; infringement of title, broadcasting cable or satellite rights, moral rights; or acts of passing off
  • Misuse of information – be it confidential or subject to any statutory restrictions
  • Defamation, libel, slander
  • Breach of confidence or infringement of privacy rights
  • Title cover is an optional extension - we can help on title searches

Despite slick production management and strict legal clearances, a podcast producer could still face legal action from an error or omission. For example, the script of your production may be slightly similar to another podcast, film or programme, or even a published novel. This could lead to a claim that you’ve committed plagiarism i.e. copied someone else’s idea, and defending yourself at court can be very costly.

The first step in arranging your E&O Insurance is to speak with an experienced insurance broker as their advice will be invaluable. They’ll ensure you get the right levels of cover, at the right premium. For example, you’ll need guidance around your “delivery requirement”, which dictates the length of the policy period. This could be 1, 3 or maybe 5 years and will be clearly stated in your distributor’s contract.

Some things to think about…

  • Timing: for financial reasons, many producers wait until delivery to the broadcaster or distributor before arranging their E&O insurance. But if a claim arises before delivery, any costs associated with defending the claim and penalties imposed will be the responsibility of the producer. If insurance is put in place after the producer is notified of a claim, it won’t cover that claim.  We’d advise placing the insurance at the planning stages of your production. As with any insurance, the best time to buy E&O Insurance is before the risk is taken.
  • Deductibles/excess: as for most insurance policies, there’s usually a deductible on E&O claims – but these can be significantly higher than other commercial policies. The level of deductible can also influence the policy premium, so ask your broker for some options to find a solution that fits best with you and any other parties involved. Bear in mind that in the event of a claim, the level of deductible you choose will be the amount that hits ‘you’, the production company, in the pocket.
  • Check your obligations: you’ll need to complete a proposal form before cover begins. You have an obligation as a policyholder to provide information that is complete, accurate and not misleading in anyway. The proposal form will include a list of requirements and clearance procedures. These procedures, as well as the clearance advice you receive from your solicitor, must be strictly adhered to. If an insurer determines that you haven’t followed the required procedures, your cover can be revoked or refused, which may affect future insurance purchases.
  • Manage your risk: talk through your risks with your broker, and work out how to protect yourself against being sued for any errors and omissions!

Podcast Errors & Omissions Insurance premiums start at £1,900 plus tax - contact us now to talk through your needs.


“These guys are the only insurance people I will tolerate speaking to these days, as they are actual humans (with both a brain and a heart!) and offer very good packages too - they answer calls and emails promptly and when I had an issue recently with my bank were very helpful to get it fixed.”

George, La Playa business client


Ready to work with us?

You can call us to talk more about your business on +44 (0)1223 200650 or +44 (0)20 3865 0149

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About La Playa Media & Digital

Specialist & Independent

Specialist & Independent

La Playa's specialist Mediatech team can help you protect your business with smart, flexible, high-performance insurance - with a friendly human UI. We understand the risks and pressures you face - and we speak your language. We’ll support you with great advice - helping you make good decisions for your organisation. Our exclusive portfolio policies can help streamline costs, and we’ll always help you stay ahead of the game in managing risk.

In-house IFA

We also offer Business Protection (including Key Person Insurance) and Employee Benefits: a joined up approach with a team of advisers working for your best financial interests - all under one roof

Advice You Can Trust

…from an expert who understands you

Tech-based business is 24/7, global and borderless, exposing you to new risks and liabilities - often in unfamiliar places. As the law struggles to keep pace with technology, insurance can provide a real safety net if you fall foul of changing legislation.

  • Specialist insurance for media and digital businesses
  • Independent professional advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across UK and US

Are we right for each other?

What sets us apart is the advice we offer: we really know our stuff. We listen, we analyse, we advise you on how to eliminate or mitigate your risk, and how to protect yourself against what remains. We may not be the cheapest option – so if an off-the-shelf policy and call centre queues work for you, be our guest. But if you need some advice on identifying your risk areas, how to structure your insurance most efficiently and effectively, and how to adapt it to the changing dynamics of your work or life – with hand-holding and close attention to detail - you’ve come to the right place. Welcome to the family!

What does “Boutique Service” actually mean?
La Playa’s Personal Risk Concierge means:

  1. dedicated adviser so you can speak to the same person each time
  2. Careful listening to really understand your needs and priorities
  3. As much help as you need with completing forms to provide risk information
  4. A discreet and complimentary appraisal* of your property to assess the risks and ensure you have the right cover where you need it
  5. An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
  6. Careful monitoring of the insurers’ financial strength, claims and customer service
  7. An independent recommendation of the best policy for you - and, importantly, why
  8. Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analysed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies 
  9. An intelligently designed portfolio of protection across multiple asset classes and territories
  10. Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
  11. Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
  12. Direct phone, mobile and email access to your adviser for questions and advice. We aim to respond to emails within 60 minutes
  13. Policy documents emailed to you - no logins and passwords to remember
  14. An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running; driving through to a swift and fair financial settlement

Oh, and...

  • No call centres
  • No ‘hold’ music
  • No hidden fees

*subject to availability with our insurer panel

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Photo of Gareth Cotton

Gareth Cotton


Direct Dial: +44 (0) 1223 200665

Mobile: +44 (0) 7762 905202

Email: gareth.cotton@laplayainsurance.com

Twitter: @GarethLaplaya