A high school football player is seriously injured running into an independent reporter working the sidelines for the local paper. The player’s family sues newspaper publisher for the injuries their son has sustained. Newspaper’s insurance company covers loss but soon exhausts policy liability limits as the claim quickly exceeds the newspaper’s $500,000 liability limit. The premium to increase the liability limits would have been about $450 per year.
Make sure you understand your publishers liability policies, call the agent who specializes in newspaper liability insurance.