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Defamation Insurance Products

Compare 77 products offered for Defamation Insurance from 34 companies including GCube Underwriting Ltd, Pen Underwriting, and Zurich Municipal.

Our Insurance Comparison Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading providers. At a loss? Our Frequently Asked Questions can explain Defamation coverage in greater detail.

Compare Defamation Insurance Policies

Products 11 to 20 of 77
Product name Max Coverage Min Premium Exclusions
Professional Indemnity Combined by APC Underwriting Max Coverage GBP2M Min Premium N/A
  • independent financial advisors
  • solicitors
  • valuation surveyors


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Professional Indemnity Primary by APC Underwriting Max Coverage GBP5M Min Premium N/A
  • independent financial advisors
  • solicitors
  • valuation surveyors


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Mortgage, Loan and Non-Investments Contracts PI by APC Underwriting Max Coverage GBP3M Min Premium GBP200


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Errors and Omissions by Entertainment Risk Management Ltd Max Coverage N/A Min Premium N/A


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Property Agents by Custodian Insurance for Professionals Max Coverage GBP500K Min Premium N/A


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Surveyors by Custodian Insurance for Professionals Max Coverage GBP500K Min Premium N/A


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Professional Indemnity - Mortgage Intermediaries by Collegiate Underwriting Max Coverage EUR2M Min Premium N/A


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Professional Indemnity - Surveyors by Collegiate Underwriting Max Coverage GBP5M Min Premium N/A


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Professional Indemnity - Secondary Intermediaries by Collegiate Underwriting Max Coverage GBP3M Min Premium N/A


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Professional Indemnity - Insurance Brokers by Collegiate Underwriting Max Coverage GBP5M Min Premium N/A
  • any FCA (formerly the FSA) regulated activities with the exception of the following classes of insurance: household, property, motor, construction, commercial, professional indemnity, aviation, marine, PHI, medical, PMI, critical illness, non-investment life insurance, building society agency, mortgage broking


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Frequently Asked Questions

(click to expand)

 

What Is Defamation Insurance?

Insurance against Defamation covers any written or oral communication about an individual, organization or product that is false and/or harmful. Also known as a part of Personal Injury (PI) insurance, coverage for Defamation can provide financial protection for companies or individuals who need to pay for damage control regarding their reputation, public profile and credibility.

It can only take one article to completely destroy someone’s image. This is why insuring against defamation is important, as action needs to be taken quickly to be able to restore any potential misinformation or wronging.

Defamation can be categorized in two ways:

  • Libel, the publication of a false statement damaging to a person’s reputation
  • Slander, a false verbal statement damaging to a person’s reputation

In order to prove an act of defamation, the injured party must be able to prove the following:

  • The statement is false
  • The statement caused personal injury
  • The statement was communicated to a third party
  • The statement is not privileged

Who Needs Insurance Against Defamation?

Accusations of libel and slander can be very difficult to prove as well as having serious consequences. Acts of Defamation are usually made against the following:
  • A business or organization
  • A high-profile individual, like a politician or celebrity
  • A product or produce

Some acts of defamation may have more serious consequences than others.

For example, false accounts regarding the efficiency of a product are more easily disproved than an accusation of an historical criminal act. That said, if the publication of an erroneous statement can cause serious financial harm to a brand or the reputation of a company or individual, defamation coverage is essential.

What Does Insurance Defamation Cover?

Insurance for Defamation can provide coverage for the following:
  • Libel and slander
  • Reparation costs
  • Legal expenses
  • Medical expenses (in the case of shock or anguish)

As part of a Personal Injury or Excess Liability insurance policy, Defamation coverage can also include financial protection in case of the following:

  • False imprisonment
  • Wrongful eviction
  • Invasion of privacy
  • Malicious prosecution

Defamation Insurance not only covers reversing the situation but the costs involved in restoring the innocence of the injured party as well as any additional costs and expenses incurred afterwards as a consequence.

What Is Not Included In Insurance For Defamation?

Despite Defamation coverage being an add-on or extension to some insurance policies, there are some areas that may not always be covered.

 

As the insurance industry tries to catch up with technology, make sure that libellous statements published online are not excluded. The rise of social media has seen a wide range of libellous comments made that can be removed as quickly as they appeared. While there are specific insurance packages available for online slander but make sure that this is not a gap in coverage if specifically required.

Other excluded areas regarding acts of Defamation include:

  • A libellous or slanderous statement related to the same/owned business
  • An intentionally false comment or statement that defames someone else
  • Policies not in force at the time the comment was said or written

How Much Does Coverage Against Defamation Cost?

Each individual insurance policy will contain very carefully wording on whether and how Defamation is included as part of an extensive package.

The cost will either be included in the overall package or an amount calculated as extended cover taking into consideration the size of the company, the potential impact of a libellous act and an estimated loss that can afford to be covered.

Defamation coverage can be found as extensions or add-ons in the following coverage areas:

  • Professional Liability
  • Employers’ Liability
  • Directors and Officers Liability
  • Business Interruption
  • Multimedia Liability
  • Commercial General Liability
  • Umbrella/Excess