Every business with a social media account now faces media liability exposures that were once limited to publishers and broadcasters. This reality stands at the core of our fascinating conversation with Mario Romero, a professional lines broker specializing in media and entertainment coverage with CRC Group in Los Angeles.

The digital transformation has democratized content creation while simultaneously introducing complex liability questions. From the local bakery using music in Instagram reels without proper licensing to major corporations navigating influencer partnerships, the risk landscape has expanded dramatically. Beyond traditional concerns like copyright and defamation, we explore emerging claim categories including emotional distress, plagiarism, failure to attribute proper credit, deceptive advertising practices, and even claims filed for lack of trigger warnings. Whether advising a Fortune 500 brand or a small business with an active social presence, understanding today's media liability risks has become essential for insurance professionals.

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