On 20 Jan 2022, a peculiar video went viral all over Youtube and Twitter. It showed a reporter getting hit by a car while reporting on live TV.
Tori Yorgei, from West Virginia, USA, was reporting on a water main break in the city of Dunbar on the evening of 19 Jan, when she was suddenly struck by a car from behind and knocked down.
Remarkably, Tori bounced right back up and finished her report, even trying to reassure her anchor, onlookers and the driver that she wasn’t hurt. However the, incident sparked several conversations on journalist safety.
You see, multimedia journalists are often sent into the field to cover live stories alone. And sometimes, this puts them in dangerous situations.
But, in the event that an accident such as this one does happen, would reporters be covered by their employers in any way?
Companies, including media organizations, usually purchase a Group Personal Accident Insurance policy to cover their employees in such circumstances.
This policy covers accidental death, medical expenses, or permanent disability that may arise due to accidents occurring at the workplace or while performing work duties.
Group Personal Accident Insurance, just like Group Health Insurance, forms an integral part of a company’s Employee Benefits Programme. The premiums for this insurance are paid by the company for the collective benefit of its managers, directors and other employees. It can also be customized to suit the particular needs of any business.
However, in reality, most insurance companies deny coverage to multimedia companies on account of the high risk involved for the journalists reporting from live locations.
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Learn more: What is Group Personal Accident Insurance?