Florida Television Station Insurance

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Florida Television Station Insurance Policy Information

FL Television Station Insurance

Florida Television Station Insurance. Television stations broadcast advertising, concerts, episodic shows designed for entertainment, instructional shows, investigative reports, movies, news, religious services, sporting events, talk shows, variety shows, and weather reports. Some have call-in shows where viewers can ask hosts for advice on assorted topics.

Broadcasting can be transmitted over airwaves, digitally, by satellite, or over the internet. As many stations are now on the air 24 hours each day, the programming can be tailored to a specific audience, such as children or college students.

Broadcasters are licensed and regulated by the Federal Communication Commission (FCC), which monitors each station for content appropriate for broadcasting. Stations need to maintain logs of all programming for FCC review.

While you always do your best to ensure that everything functions properly, sometimes, things can happen that are out of your control. In order to protect yourself from the unexpected, investing in the right type of Florida television station insurance coverage is an absolute must.

To find out why commercial insurance is so important for television station broadcasters and what kind of coverage you need, keep on reading.

Florida television station insurance protects your TV broadcasting business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Why Do FL Television Stations Need Insurance?

The TV and media industry is constantly evolving, as it needs to stay current with the latest news, information, and entertainment, as well as the most state-of-the-art technologies.

Businesses that are in this growing and dynamic industry are faced with a variety of unique risks, and like the industry itself, those risks are ever-changing. In the event that unforeseen circumstances arise, you are liable for any expenses that are related to those issues; and, as you can imagine, those expenses can be quite exorbitant.

Whether an entertainer sues you for liable, a member of your crew suffers a work-related injury, your business is the victim of a cyberattack, or the property you broadcast your FL TV station out of is damaged, you're responsible for those expenses. That's why it's so important to invest in the right type of insurance.

Without Florida television station insurance, if anything goes wrong, you'll have to pay for the related expenses out of your own pocket; however, if you're insured, instead of having to pay for those expenses yourself, your insurance provider will cover them for you. In other words, insurance can protect you from serious financial losses.

What Type Of Insurance Do Florida Television Stations Need?

The kind of insurance coverage that television stations require depends on a variety of factors; the size of your operation, where your television station is located, how many people you employ, and what kind of services you offer, for example.

Because the kind of coverage that a FL TV station requires varies, in order to ensure that your company is properly covered, consulting with a reputable agent that has experience in commercial insurance is a must.

With that said, however, there are some key types of Florida television station insurance coverage needed. Examples of that coverage include:

  • Commercial Property - In the event that your commercial property or the contents within it are damaged by an act of nature, theft, or vandalism, this type of insurance coverage will cover the related costs. For instance, if your television station were to experience a fire, this type of insurance would help to pay for replacing or repairing any equipment or technologies that might need to be replaced, as well as any repairs that your building may require.
  • General Liability - This type of Florida television station insurance overage protects you from third-party bodily injury and property damage liability, including protection for functions and operations that occur both on and off of your property. For instance, if vendor were to suffer an injury on your property and file a lawsuit against you, this type of insurance would cover your legal defense fees, as well as any compensation that you might be required to pay.
  • Management Liability - This coverage includes Directors, Officers, and Entity Liability, Employment Practices Liability, and Fiduciary coverage. In other words, management liability coverage will protect you from any risks that are associated with management liability.
  • Workers Compensation - As an employer, you're responsible for any work-related illnesses or injuries that your staff may suffer. Workers comp insurance will help to pay for any medical care that your staff may require. It will also help to compensate for lost wages while they're recovering.

These are just a few examples of the different types of Florida television station insurance coverage that TV station owners and operators should carry. To find out more about other forms of coverage you should have and what your policy limits should be, speak with an broker with media liability experience.

FL Television Station's Risks & Exposures

Premises liability exposure at the station is limited as public access is generally restricted to designated waiting areas and offices. If members of the public are allowed into the station for community events and broadcasts, or if the station offers tours to schools and other organizations, slips and falls can be reduced through good housekeeping and maintenance.

Floor coverings must be in good condition, with steps and uneven floor surfaces prominently marked, and free from obstacles. Exits must be sufficient in number, be well marked, and have backup lighting in case of power failure. Parking areas and sidewalks should be in good repair and kept clear of ice and snow.

Premises security is important, particularly if the station operates 24-hours-per-day.

Off-site exposures include reporters and equipment at the scene of newsworthy events, and salespersons calling on current and prospective customers. There should be procedures as to how they carry out their duties.

If the station owns transmission towers, proper maintenance is needed to prevent towers from collapsing during inclement weather, releasing chunks of ice and snow on adjacent properties, and to restrict unauthorized access by children or trespassers.

Functional lighting is required at all times to prevent aircraft from crashing into towers.

Professional liability exposure comes from broadcasting activities, including allegations of copyright infringement, libel or slander, defamation of character, invasion of privacy, failure to check the authenticity of the material, breach of confidentiality, or failure to broadcast commercials at the scheduled times.

Contractual agreements should be written and include verification of originality and authenticity of any broadcasted material such as commercials. All advertising, including changes, must be documented in writing. The exposure will be heavier for stations that cover local news events, do investigative reporting, or host talk shows or call-in listeners.

The defense for civil suits and FCC fines due to the broadcasting of obscene material is generally excluded from professional liability policies.

Workers compensation exposures are high both on or off premises due to the potential for slips and falls, electric shock from ungrounded equipment, falling items, injury from the lifting of cable or other equipment, hearing impairment from noise, and contact with clients or the public.

Repetitive motion injuries due to computer work can be prevented with ergonomically-designed workstations. Employees maintaining towers can fall, be struck by lightning, or receive high-voltage electric shocks from improperly grounded electrical wiring. Safety equipment is critical to prevent injuries.

Additional exposures arise from the use of independent contractors and whether employees go on overseas assignments, do undercover investigative reporting, visit dangerous or exotic locales, or participate in contests and dangerous or hazardous activities while on the job.

Property exposure is high. Ignition sources include electronic equipment used throughout the operation, heating, and air conditioning systems. All wiring should be up to date, well maintained, and meet codes for the occupancy. Studios are set up for taping local shows. Other programming comes through either live feed or tapes.

As newer equipment is added, wiring should be upgraded as needed. Electronic equipment is susceptible to damage by fire, smoke, and water. Fire extinguishers and automatic fire extinguishing or suppressant systems should be of a dry chemical nature and not water based.

Broadcasting equipment is expensive and may be targeted by thieves. Security should be appropriate for the value of the equipment and the area where located.

Business income and extra expense exposure is high as broadcasting must be done even after a loss. A disaster recovery plan, including the use of alternate facilities, should be in place due to the time needed to repair or replace broadcasting equipment.

Equipment breakdown exposures are high due to the reliance of the station on electronic broadcasting systems. A lengthy breakdown could result in a severe loss, both direct and under time element.

Crime exposures are from employee dishonesty and theft. Background checks, including criminal history, should be performed on all employees handling money. All billing, ordering, and disbursements should be handled as separate duties. Regular reconciliation and audits are vital. Stations will have expensive broadcasting equipment on premises that are susceptible to theft. These should be physically inventoried at regular intervals.

Inland marine exposures include accounts receivable if the station bills customers, broadcasting equipment, computers, towers, and valuable papers and records for clients' and regulatory information.

Towers, guy wires and all portable audio and camera equipment used on remote sites should be included in a broadcasting equipment floater. Towers can be struck by lightning, be blown over in heavy winds, or collapse due to the weight of ice and snow. Proper grounding, the use of appropriate guy wires, and de-icing equipment in northern areas will prevent or reduce these losses.

Satellite dishes may be considered property or inland marine, depending on the insurer, but inland marine forms generally offer broader coverage. Since most television stations use distance feeds, the satellite coverage is important.

Valuable papers and records include the FCC license to operate, broadcasting logs required by the FCC, and station archives. Duplicates should be made of all records and sound recordings and kept in an off-site backup facility for easy reproduction following a loss.

There may be theatrical property such as sets, props or costumes if the station tapes its own programming.

Business auto exposures include mobile vehicles with permanently attached equipment that may be taken out of local areas to the scene of a newsworthy event. The drivers should have training in driving these vehicles, including special training for driving in adverse conditions.

If the company supplies vehicles to reporters and salespersons, there should be a written policy on personal and permissive use of the vehicles. All drivers must have appropriate licenses and acceptable MVRs. All vehicles should be maintained, and records kept at a central location.

Florida Television Station Insurance - The Bottom Line

To learn more about the kinds of Florida television station insurance policies you'll need, how much coverage you should have and the costs - speak with a reputable broker that is experienced in business insurance.

Florida Economic Data And Commercial Insurance Requirements

If you are thinking about starting up a business in the state of Florida, it's important to understand the economic standing of the state before you set up shop. Furthermore, you should understand the rules and regulations regarding FL commercial insurance.

Made In Florida

With this information, you will be able to determine if Florida is the right place for your business, and if so, what type of insurance you will need to carry to protect yourself, your employees, and the people that you serve.

Economic Trends For Businesses In FL

Florida is known as the sunshine state, and the economic outlook for this state is just as bright as the weather. It is estimated that the economy in Florida will reach $1 trillion by the end of the 2021 calendar year. However, while financially, the economy is expected to boom, it is forecasted that job growth will decline.

The reason for the economic boom? While businesses do certainly contribute to the economy, industry isn't the reason why Florida's economy is expected to soar; the residents that move to the state are largely responsible for its economic growth. Approximately 898 people move to Florida every day, and those new residents bring a tremendous amount of income for the state.

In terms of job growth, the rate of new jobs has been its highest since 2007; however, it is forecasted to slow during 2018. Approximately 180,000 new jobs will be added in 2018, which is slightly less than the new jobs that were added in 2017.

The industries that contribute the most to Florida's economy include:

  • Agriculture
  • Aviation & Aerospace
  • Financial Services
  • Healthcare
  • International Trade
  • Life Sciences
  • Tourism
Commercial Insurance: Regulations & Limits In Florida

The Florida Office of Insurance Regulation regulates insurance in FL. The only type of coverage that business owners must carry is workers' compensation. Organizations in any industry must carry this type of coverage if they employ a staff of hourly or salaried workers. But, organizations that employ three or less people are not legally required to carry this type of coverage.

Business owners are also required to carry commercial auto insurance if they use any vehicles for their operations, such as making deliveries or transporting goods. Commercial liability insurance is another type of coverage that Florida business owners should consider carrying, though they are not legally required to have this type of insurance.

Additional Resources For Advertising, Marketing & Media Insurance

Learn about small business media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Advertising, Marketing And Media Insurance

Media operations are fast-paced businesses with unique property and liability insurance exposures. They depend more and more on computer systems and up-to-date software programs. These businesses usually have extensive contracts with both freelance individuals and corporations.

In addition, personal injury liability and confidentiality issues must be addressed. Insurance coverage for these concerns must be as comprehensive, flexible and responsive as the organization seeking it.

Advertising and Media Liability Insurance provisions are not standardized, so it is critical to carefully review a particular form's basic features and available coverage options. While some carriers offer coverage on an open perils basis, most will provide coverage only on a named perils basis.

The named perils generally include coverage against allegations involving defamation, disparagement of an individual's reputation, product disparagement, invasion or infringement of the right of privacy, infliction of emotional distress, plagiarism, piracy, infringement of copyright, trademark, or other intellectual property, newsgathering torts such as trespass and assault, unfair competition with respect to other covered communication perils, and errors and omissions.

Coverage can be written on a claims-made basis or on occurrence-based forms. The occurrence basis affords additional protection to the insured as coverage is provided for a claim or event occurring during the policy period, even if the coverage expires or is cancelled or nonrenewed.

Most media liability policies provide a Limit of Liability per event, plus an Aggregate Limit of Liability for all events covered during the policy term. Some carriers now offer coverage without requiring an Aggregate Limit of Liability. Such a policy is an advantage to the insured as this eliminates the fear that the policy limits will run out before the policy expires.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Bailees' Customers, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Professional and Advertising Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Computer Fraud, Forgery, Special Floater, Cyber Liability, Employment-related Practices Liability, Business Automobile Liability and Physical Damage, Foreign Automobile Liability and Physical Damage, Foreign Workers Compensation, Repatriation Expense and Stop Gap Liability.


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