What it is
Media and IP liability covers claims from content and creative output: copyright and trademark infringement, defamation, and privacy violations. Generative AI has moved this from a media company niche to a mainstream tech exposure, because training data and model outputs both create IP claims.
What it covers
- Copyright and trademark infringement defence
- Defamation and personal injury from published content
- IP claims from AI generated output, where the form affirmatively includes them
- Training data IP claims under some AI specific programmes and endorsements
What it does not cover
- Patent infringement, which is usually excluded and insured separately if at all
- Deliberate infringement
- Contractual IP indemnities beyond the form
What triggers buying it
- Launching a generative AI product
- Publishing content at scale, including AI generated content
- An IP indemnity demand in an enterprise contract
- A takedown, cease and desist, or demand letter
Who requires it
Enterprise customers increasingly require IP indemnity backed by insurance in AI contracts, and media and marketplace platforms have always required the cover itself.
Typical limits
Often included inside Tech E&O at $1M to $3M; standalone AI programmes publish their own limits, for example Armilla at $25M aggregate.
Frequently asked questions
Does our Tech E&O already cover IP?
Many blended forms include media and IP liability, but patent is usually out and AI training data is the contested area. Newer AI programmes address training data and output IP expressly. We compare the actual wording before you rely on it.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.