Distributor’s E&O insurance provides protection for media distributors (corporations, individuals and partnerships) from lawsuits that allege:  

• 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

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.

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.

In most cases, if an occurrence policy form is available, it may serve your needs best.

Publishers, Bloggers Liability / Errors & Omissions Publisher’s liability Insurance 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 to read "Occurrence Form Gives Eternity of Coverage" article from National Underwriter.

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 distribution.  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.