Unlike most other forms of professional liability insurance,media liability insurance is typically written on an occurrencerather than a claims-made basis.

In other words, the policies cover claims arising out of“occurrences” during the policy period, regardless of when theclaim is made or suit is brought.

An “occurrence” is typically defined as the first publication ofa particular piece of content, such as a book, film ormagazine–sometimes referred to as “matter.” Thus, as long as thematter covered by the policy is first published during the policyperiod, the insured will have an eternity of coverage for claimsarising out of that matter.

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