Errors & Omissions (E & O)
for Producers & Distributors
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.
Typically required when signing a distribution or
broadcast contract, your project is submitted to all
eligible, top-rated insurers, in search of the most
competitive premium. Distributors typically define
project specific coverage for features, documentaries,
TV Special & Series. These described policies name
the productions specifically.
E&O Provides coverage for
(but is not limited to);
Improper handling of
Use of hidden cameras
Failure to obtain appropriate
rights for music and film clips
Failure to obtain appropriate
releases for individuals appearing in the production
Improper use of celebrity's
name or likeness
Insurance Similarly to the 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
Distributor’s E&O insurance provides protection
for media distributors (corporations,
individuals and partnerships) from lawsuits that
Invasion of privacy
Plagiarism or pirating of ideas
Infringement of copyright
Libel or slander
Degrading or defamation of products
Infringement of trademark, slogan or
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. So, 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.
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
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 saving, 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.
Bloggers Liability / Errors & Omissions Publisher’s
is for a publisher of
any size or type: small, large, book, magazine,
newspaper, trade, directory, music, greeting cards and
calendar, electronic (Internet), print-on-demand, CD
ROM, audio book or a freelancer, writer or an author.
Publisher’s liability insurance is also referred to as
media perils liability insurance, publishers or authors
errors and omissions protection.
Click below if you would like
"Occurrence Form Gives Eternity of Coverage"
article from National Underwriter.
How Much Does Errors and Omissions (E&O)
While every project and policy are different,
ballpark premium pricing for producers E&O
premium starts at $2500.00 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,
subject matter as well as the type of
Although we do our best to
give you the cheapest rate possible, we also
want to give you the best policy available. Film Emporium’s brokerage
team contacts all markets on your behalf to
provide the lowest priced E&O insurance premium
and best coverage option for your project.
Producers E&O (Project specific for features,
Blanket Producers E&O (For
Reality TV E&O Application Supplement
Web Design and
Why Choose Occurrence Form Producer’s Errors & Omissions Coverage?