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Posted on: June 19, 2025 by Huntersure
From AI-penned scripts and synthetic voiceovers to auto-generated art and deepfake videos, content creation has officially entered a new era. Platforms like YouTube, Instagram, and TikTok are now saturated with content shaped — or entirely created — by artificial intelligence, fueling a creator economy that now includes approximately 162 million individuals in the United States alone. As this ecosystem grows, so do its risks. Multimedia insurance has become a vital safeguard for content creators and a powerful opportunity for insurance agents to add value.
AI is efficient, but it isn’t always accurate or careful.
A generative tool might create an image that unintentionally resembles a copyrighted design. A video script compiled from scraped online content might echo protected language. Even an AI-modified voice or music sample could violate platform terms or third-party intellectual property rights.
This situation is where multimedia insurance earns its place. Unlike in years past, today’s policies must account for the gray areas introduced by AI — not just defamation or misrepresentation, but accidental IP violations and platform breaches. Depending on its structure, multimedia insurance can offer legal defense for claims involving copyright infringement, plagiarism, or unintentional misuse.
That said, not all policies treat IP exposure the same way. Insurance agents should help clients understand any limitations and whether they need endorsements to fill critical gaps.
Modern content creators face a broader spectrum of liability than ever, especially those leveraging AI. A podcast could use an AI-generated jingle that closely resembles another track. An AI-generated blog post might trigger a plagiarism claim. These risks aren’t just hypotheticals. They’re fast becoming common challenges in digital production.
That’s why agents must recommend multimedia insurance that keeps pace with these evolving risks. Huntersure’s multimedia professional liability policy is built for this environment. It covers a wide range of creators, including online publishers, broadcasters, advertising agencies, influencers, and content-driven websites.
The policy is customizable, with coverage tailored to the services each client provides. Key features include personal injury protection, early claim resolution incentives, and optional cyber liability add-ons to manage data-related exposures.
Many creators embrace AI tools before fully understanding the risks. This lack of awareness creates an opportunity for insurance agents to step in, not just to sell a policy but also to offer insight. Starting a conversation about multimedia insurance positions you as a knowledgeable partner who understands both the pace of content production and the potential pitfalls.
Huntersure supports this approach with deep media and tech underwriting experience, responsive quoting, and scalable solutions. With coverage limits up to $5 million (subject to underwriting), agents can meet clients where they are and help them grow securely.
In an AI-powered creator economy, legal protection can’t be an afterthought. Multimedia insurance helps creators focus on what they do best — producing, publishing, and promoting — without having to second-guess every upload. It’s no longer just a safeguard. It’s a strategic asset.
Contact us today to learn how Huntersure’s multimedia insurance solutions can help your clients stay protected while staying creative.
Huntersure LLC is a full-service Managing General Agency that has provided insurance program administration for professional liability products to our partners across the United States since 2007. We specialize in providing insurance solutions for businesses of all sizes. Our program features can cover small firms (grossing $2.5 million annually) to large corporations (grossing $25 million annually or more). We make doing business with us easy with our breadth and depth of knowledge of E&O insurance, our proprietary underwriting system that allows for responsive quoting, binding, and policy issuance and tailored products to meet the needs of your insureds. Give us a call at (855) 585-6255 to learn more.
Posted in: Multi Media Professional Liability