ERRORS & OMISSIONS (E&O) INSURANCE
Invasion of privacy
Plagiarism or pirating of ideas
Infringement of copyright
Libel or slander
Degrading or defamation of products (trade libel)
Infringement of trademark, slogan or title
Documentary Filmmakers and Fair Use
How Much Does Errors and Omissions (E&O) Insurance Cost?
While every project and policy are different, ballpark pricing for producers E&O premiums start at $2000.00 for a $1,000,000 limit per occurrence and in the aggregate with a deductible of $10,000 per occurrence for video on demand, DVD-type non-theatrical distribution. Higher limits and deductibles, as well as theatrical distribution policies, are available. Please note each E&O application is separately underwritten and priced primarily based on production budget, clearances being in place, and subject matter, as well as the type of distribution. Although we do our best to give you the cheapest rate possible, we also want to give you the best policy available. Entertainment Insurance Broker's team contacts all markets on your behalf to provide the lowest priced E&O insurance premium and best coverage options for your project.
The content displayed on this website is for informational purposes only and is not an offer of insurance. The purpose of the provided information is to assist in the general understanding of available coverage and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting approval and the referenced coverage on this website may not be available in all territories and may vary depending on exposure. Coverage is also subject to minimum premiums that may vary by state.
Read Definitions of Insurance for more details.
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Errors & Omissions (E & O) Insurance for Producers offers specialized coverage for a wide variety of media risks against the devastating impact of lawsuits for libel, slander, invasion of privacy, infringement of copyright and other specified torts. If your movie is ready for distribution we will make sure your project is submitted to all eligible, top-rated insurers, in search of the most competitive premiums. This type of insurance is typically required when signing a distribution or broadcast contract. Distributors generally define project specific coverage for features, short films, documentaries, TV specials and series. These described policies name the productions specifically. In other words, E&O is insurance for movie disribution whether it is stright to dvd or a theatrical distribution release. Entertainment Insurance Broker also offers blanket film production E&O insurance and professional liability film production insurance.
Improper handling of unsolicited scripts
Use of hidden cameras
Failure to obtain appropriate rights
Failure to obtain appropriate releases
Improper use of name or likeness
Erros & Omissions (E & O) Insurance for Distributor's is similar to producer’s E&O insurance. Distributor’s Errors and Omissions (E&O) insurance indemnifies media distributors from lawsuits that may arise due to the content of the material they are distributing. Distributor’s E&O insurance differs slightly from Producer’s E&O in that distributors are insured for a list of titles they are distributing. For example, under distributor’s E&O insurance, a distributor is indemnified against lawsuits arising from the content of Movie X and will still be indemnified against lawsuits alleging content errors for Movie Y. Entertainment Insurance Broker also offers insurance for independent film distributors.
The available policy types are as follows:
Occurrence-Basis E&O Policy: An Occurrence basis policy affords coverage in perpetuity to claims arising from scheduled titles that incur covered claims from the scheduled title that meet the policy criteria for a trigger or an acceptable occurrence. Typical occurrences for these types of claims, depending on the actual policy terms, may include the sale, distribution or broadcast of the Scheduled Title.
Claims Made E&O Policy: has provisions that dictate that the claim must be made during the policy period. Although this may translate into a slight premium savings, this policy type requires that the policy is renewed or remains in force for multiple years for coverage to apply.
In most cases, if an occurrence policy form is available, it may serve your needs best.
Distributor’s E&O insurance provides protection for media distributors (corporations, individuals and partnerships) from lawsuits that allege:
Producer's E & O provides coverage for (but is not limited to):