Podcast Business Insurance Coverage Checklist
The coverages a podcast business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for podcasters, networks, and podcast production companies. Priorities reflect typical exposure for this class; confirm against the content and distribution agreements.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Media Liability | Covers defamation, invasion of privacy, and copyright or trademark claims from episodes — GL usually excludes them. | Core | |
| Professional Liability (E&O) | Covers claims from brands and clients that production or ad reads weren't delivered as agreed. | Prevalent | |
| Commercial General Liability | Covers studio visitors and live shows; venues and networks often require it. | Prevalent | |
| Cyber Liability | Covers account takeover of feeds and channels and listener data. | Prevalent | |
| Equipment / Inland Marine | Covers microphones, mixers, and recording gear, including on the road. | Situational | |
| Event Liability | Covers live shows before audiences. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is media liability. Most podcasts have no editor or lawyer reviewing what hosts and guests say, and defamation suits now name hosts' companies as well as hosts. A Canadian podcast network paid about CAD $885,000 in 2026 after a court found it had documents contradicting its claim and hadn't contacted the subject first. General liability typically excludes these claims. Fact-checking, contacting subjects, guest releases, and licensed music are the core defenses.
Send us the checklist and we'll review your podcast business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Podcast Business Insurance · Podcast Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a podcast business business need?
The core coverages for a podcast business business are Media Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my podcast business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.