{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"137640-102480","analyticsPageType":"blog-post","archived":false,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1401901240000,"deletedAt":0,"displayName":"Doran Chandler","email":"lisa@frontrowinsurance.com","facebook":"","fullName":"Doran Chandler","gravatarUrl":"https://app.hubspot.com/settings/avatar/38b9d7dead8246860e510b1560aa6b71","hasSocialProfiles":false,"id":951502273,"label":"Doran Chandler","language":null,"linkedin":"","name":"Doran Chandler","portalId":61352,"slug":"doran-chandler","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1401901240000,"userId":null,"username":"lisa@frontrowinsurance.com","website":""},"blogAuthorId":951502273,"blogPostAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1401901240000,"deletedAt":0,"displayName":"Doran Chandler","email":"lisa@frontrowinsurance.com","facebook":"","fullName":"Doran Chandler","gravatarUrl":"https://app.hubspot.com/settings/avatar/38b9d7dead8246860e510b1560aa6b71","hasSocialProfiles":false,"id":951502273,"label":"Doran Chandler","language":null,"linkedin":"","name":"Doran Chandler","portalId":61352,"slug":"doran-chandler","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1401901240000,"userId":null,"username":"lisa@frontrowinsurance.com","website":""},"blogPostScheduleTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":0,"blogPublishInstantEmailTaskUid":"DONE","blogPublishToSocialMediaTask":"DONE","blueprintTypeId":0,"businessUnitId":0,"campaign":"","campaignName":null,"campaignUtm":null,"category":3,"categoryId":3,"cdnPurgeEmbargoTime":null,"clonedFrom":null,"composeBody":null,"compositionId":0,"contentAccessRuleIds":[],"contentAccessRuleTypes":[],"contentGroup":952267656,"contentGroupId":952267656,"contentTypeCategory":3,"contentTypeCategoryId":3,"contentTypeId":null,"created":1329788122000,"createdById":null,"createdTime":1329788122000,"css":{},"cssText":"","ctaClicks":null,"ctaViews":null,"currentState":"PUBLISHED","currentlyPublished":true,"deletedAt":0,"deletedBy":null,"domain":"","dynamicPageDataSourceId":null,"dynamicPageDataSourceType":null,"dynamicPageHubDbTableId":null,"enableDomainStylesheets":null,"enableGoogleAmpOutputOverride":false,"enableLayoutStylesheets":null,"errors":[],"featuredImage":"https://cdn2.hubspot.net/hubfs/61352/images/eando/lawyer-forwebsocial.jpg","featuredImageAltText":"E&O Insurance for Film and TV: The Value of a Lawyer","featuredImageHeight":175,"featuredImageLength":0,"featuredImageWidth":300,"flexAreas":{},"folderId":null,"footerHtml":"","freezeDate":1329788040000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":"<!-- START - Generated by ClassySchema.org on Tue, 20 Oct 2020 16:58:56 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"http://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"What is the role of a clearance lawyer?\",\n\t\"description\": \"What is the role of a clearance lawyer? 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Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n</div>","has_user_changes":true,"attached_stylesheets":[],"unpublished_at":null,"author_email":"nedia@frontrowinsurance.com","topic_ids":[949708774,949708809,949708814,949708924,949709279,949709809],"page_expiry_date":null,"rss_email_comment_text":"Comment &raquo;","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":0,"personas":[],"css":{},"campaign_utm":null,"footer_html":"","meta_description":"The Value of a Lawyer in obtaining E&O Insurance for Film and TV.","performable_url":null,"author_username":"nedia@frontrowinsurance.com","blueprint_id":0,"rss_email_click_through_text":"Read more &raquo;","placement_guids":["445ca884-7457-48b4-91d3-aca80e4d61e0"],"css_text":"","rss_summary":"<div class=\"hs-migrated-cms-post\">\n<p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n</div>","legacy_blog_tabid":137640,"cloned_from":null,"head_html":"<!-- START - Generated by ClassySchema.org on Tue, 20 Oct 2020 16:58:56 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"http://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"What is the role of a clearance lawyer?\",\n\t\"description\": \"What is the role of a clearance lawyer? Get your FREE E&O eBook: https://www.frontrowinsurance.com/errors-omissions-insurance-101 Lussier & Khouzam: https://...\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/q8qH44h4GoE/mqdefault.jpg\",\n\t\"duration\": \"PT46S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=q8qH44h4GoE\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/q8qH44h4GoE\",\n\t\"uploadDate\": \"2019-09-13\"\n}\n</script>\n<!-- END - Generated by ClassySchema.org-->","page_expiry_enabled":null,"enable_domain_stylesheets":true,"post_body":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-migrated-cms-post\">\n<p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n<!--more--><h2><span style=\"font-size: 36px;\">E&amp;O Insurance: The Value of a Lawyer</span></h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/q8qH44h4GoE\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p><br>Entertainment lawyers are often called upon to help clients obtain <a title=\"Errors &amp; Omissions insurance for their productions\" href=\"/sectors/e-o-insurance/\" target=\"_self\">Errors &amp; Omissions insurance for their productions</a>. This job is easy if the needs of E&amp;O insurers are considered before production begins. However, the process can be difficult and time-consuming if no thought is given to E&amp;O coverage until after the final cut is locked.</p>\n<p>E&amp;O Insurance covers claims against a production, including breach of copyright or <a href=\"/articles/what-is-a-trade-mark\" rel=\" noopener\">trademark</a>, breach of privacy, defamation and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract (implied-in-fact)</a>. These claims do not usually surface until there has been a broadcast or exhibition of the production.</p>\n<p>E&amp;O coverage is not included in the standard production insurance that is taken out for injuries, damage to property, etc. Only occasionally do you hear about the types of claims for which <a title=\"E&amp;O insurance provides protection\" href=\"/sectors/e-o-insurance/\" target=\"_self\">E&amp;O insurance provides protection</a>.</p>\n<p>For example, an action was brought several years ago against Dreamworks by an author who had written a book about the events depicted in the feature film <em>Amistad</em>. The author claimed that her copyright had been breached because the film told the story in ways which were similar to the book. More recently, one of the characters depicted in the feature film <em>Boys Don’t Cry</em> has brought an action for breach of privacy because of the manner in which her life was depicted.</p>\n<p>But most claims do not make headlines; usually they're threatened, then settled. Even if your insurer is ultimately successful in defeating a claim, it can still be costly because of the legal fees involved. And even if a claim is settled, the producer generally pays.</p>\n<p>There are only a small number of insurers who provide E&amp;O insurance to the entertainment industry. These policies are sold by specialized agents who are familiar with film and television production. If you have been involved in producing a documentary or television production, you have probably filled out the <a href=\"/articles/answer-all-questions-on-eo-application\" rel=\"noopener\">lengthy forms involved in making an E&amp;O application</a>.</p>\n<p>The application tells the agent how far along you are in the production and what the problem areas are likely to be, but it also serves as a handy checklist for you. Once the application is received, the agent will provide you with a quote and hand it over to lawyers who provide advice to the insurer about the risks involved with the production. The insurer will have its lawyer contact production counsel to review the potential problem areas and to discuss how these will be addressed.</p>\n<p>The advantage of having your lawyer speak directly to the insurer’s lawyer is that often E&amp;O insurance can be approved with a single phone call. The disadvantage from a lawyer’s perspective is that you sometimes end up doing the insurer’s dirty work by telling a client why certain material can’t be used. Because the insurer’s lawyer relies on production lawyers to decide whether to grant insurance, your lawyer is obliged to identify problem areas. If they do not, you (and the broadcaster) could end up being liable for the omission and your lawyer’s credibility can be affected.</p>\n<p></p>\n<p><a href=\"/sectors/e-o-insurance/\" target=\"_self\"><img id=\"img-1329788366506\" src=\"http://cdn2.hubspot.net/hub/61352/file-14871418-jpg/images/front-row-entertainment-insurance_page-title1.jpg\" alt=\"Errors &amp; Omissions Insurance\" width=\"546\" height=\"85\" border=\"0\"></a></p>\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/errors-omissions-insurance-101\" rel=\" noopener\">E&amp;O Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/eo-what-filmmakers-need-to-know\" rel=\" noopener\">E&amp;O: What You Need to Know</a></p>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O: Cost</a></p>\n<p><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\" rel=\" noopener\">Are you paying for the coverage you need?</a></p>\n<p><a href=\"/articles/articles/bid/24691/steps-to-obtain-errors-and-ommissions-insurance-for-films\" rel=\" noopener\">Steps to Obtain</a></p>\n<p><a href=\"/articles/protecting-your-script\" rel=\" noopener\">Producer Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-insurance-best-practices-when-reviewing-scripts\" rel=\" noopener\">E&amp;O: Reviewing Scripts</a></p>\n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">Distributor Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-what-is-my-distributor-and-financer-asking-for\" rel=\" noopener\">Documentary E&amp;O Insurance</a></p>\n<p><a href=\"/articles/copyright-reports-use-them-to-minimize-the-potential-of-a-producers-eo-claim\" rel=\" noopener\">Copyright Reports</a></p>\n<p><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\" noopener\">How much of your film is copyright-able?</a></p>\n<p><a href=\"/articles/articles/bid/103438/e-o-acquire-proper-permission-before-you-eat-at-mcd-or-drink-a-c\" rel=\" noopener\">Copyright Infringements</a></p>\n<p><a href=\"/articles/articles/bid/10796/title-reports-who-needs-them-e-o-insurance\" rel=\" noopener\">Title Reports</a></p>\n<p><a href=\"/articles/articles/bid/26544/script-insurance-clearance-reports-what-are-they-and-why-are-they-important\" rel=\" noopener\">Script Clearance Reports</a></p>\n<p><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\" noopener\">Clearance Procedures</a></p>\n<p><a href=\"/articles/articles/bid/107141/film-insurance-e-o-claims-made-policies-vs-occurrence-policies\" rel=\" noopener\">Claims Made vs. Occurrence</a></p>\n<p><a href=\"/articles/filmmakers-insurance-part-i\" rel=\" noopener\">Fair Use</a></p>\n<p><a href=\"/articles/broadcasting-film-insurance\" rel=\" noopener\">False Light Accusations</a></p>\n<p>The value of a lawyer</p>\n<p><a href=\"/articles/producers-eo-contact-a-clearance-lawyer-early-to-avoid-problems\" rel=\"noopener\">Contact a clearance lawyer early to avoid problems on your shoot</a></p>\n<p><a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerbergyour-blog-post-title-here\" rel=\" noopener\">To get or not get permission: The Social Network</a></p>\n<p><a href=\"/articles/bid/107690/obtaining-e-o-insurance-for-your-film-production-and-preventing-litigation\" rel=\" noopener\">A production lawyer's guide to obtaining E&amp;O insurance and preventing litigation</a></p>\n</div></span>","publish_immediately":false,"html_title":"E&O Insurance for Film and TV: The Value of a Lawyer","enable_layout_stylesheets":true,"blog_publish_to_social_media_task":"DONE","rss_body":"<div class=\"hs-migrated-cms-post\">\n<p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n<!--more--><h2><span style=\"font-size: 36px;\">E&amp;O Insurance: The Value of a Lawyer</span></h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/q8qH44h4GoE\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p><br>Entertainment lawyers are often called upon to help clients obtain <a title=\"Errors &amp; Omissions insurance for their productions\" href=\"/sectors/e-o-insurance/\" target=\"_self\">Errors &amp; Omissions insurance for their productions</a>. This job is easy if the needs of E&amp;O insurers are considered before production begins. However, the process can be difficult and time-consuming if no thought is given to E&amp;O coverage until after the final cut is locked.</p>\n<p>E&amp;O Insurance covers claims against a production, including breach of copyright or <a href=\"/articles/what-is-a-trade-mark\" rel=\" noopener\">trademark</a>, breach of privacy, defamation and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract (implied-in-fact)</a>. These claims do not usually surface until there has been a broadcast or exhibition of the production.</p>\n<p>E&amp;O coverage is not included in the standard production insurance that is taken out for injuries, damage to property, etc. Only occasionally do you hear about the types of claims for which <a title=\"E&amp;O insurance provides protection\" href=\"/sectors/e-o-insurance/\" target=\"_self\">E&amp;O insurance provides protection</a>.</p>\n<p>For example, an action was brought several years ago against Dreamworks by an author who had written a book about the events depicted in the feature film <em>Amistad</em>. The author claimed that her copyright had been breached because the film told the story in ways which were similar to the book. More recently, one of the characters depicted in the feature film <em>Boys Don’t Cry</em> has brought an action for breach of privacy because of the manner in which her life was depicted.</p>\n<p>But most claims do not make headlines; usually they're threatened, then settled. Even if your insurer is ultimately successful in defeating a claim, it can still be costly because of the legal fees involved. And even if a claim is settled, the producer generally pays.</p>\n<p>There are only a small number of insurers who provide E&amp;O insurance to the entertainment industry. These policies are sold by specialized agents who are familiar with film and television production. If you have been involved in producing a documentary or television production, you have probably filled out the <a href=\"/articles/answer-all-questions-on-eo-application\" rel=\"noopener\">lengthy forms involved in making an E&amp;O application</a>.</p>\n<p>The application tells the agent how far along you are in the production and what the problem areas are likely to be, but it also serves as a handy checklist for you. Once the application is received, the agent will provide you with a quote and hand it over to lawyers who provide advice to the insurer about the risks involved with the production. The insurer will have its lawyer contact production counsel to review the potential problem areas and to discuss how these will be addressed.</p>\n<p>The advantage of having your lawyer speak directly to the insurer’s lawyer is that often E&amp;O insurance can be approved with a single phone call. The disadvantage from a lawyer’s perspective is that you sometimes end up doing the insurer’s dirty work by telling a client why certain material can’t be used. Because the insurer’s lawyer relies on production lawyers to decide whether to grant insurance, your lawyer is obliged to identify problem areas. If they do not, you (and the broadcaster) could end up being liable for the omission and your lawyer’s credibility can be affected.</p>\n<p></p>\n<p><a href=\"/sectors/e-o-insurance/\" target=\"_self\"><img id=\"img-1329788366506\" src=\"http://cdn2.hubspot.net/hub/61352/file-14871418-jpg/images/front-row-entertainment-insurance_page-title1.jpg\" alt=\"Errors &amp; Omissions Insurance\" width=\"546\" height=\"85\" border=\"0\"></a></p>\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/errors-omissions-insurance-101\" rel=\" noopener\">E&amp;O Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/eo-what-filmmakers-need-to-know\" rel=\" noopener\">E&amp;O: What You Need to Know</a></p>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O: Cost</a></p>\n<p><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\" rel=\" noopener\">Are you paying for the coverage you need?</a></p>\n<p><a href=\"/articles/articles/bid/24691/steps-to-obtain-errors-and-ommissions-insurance-for-films\" rel=\" noopener\">Steps to Obtain</a></p>\n<p><a href=\"/articles/protecting-your-script\" rel=\" noopener\">Producer Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-insurance-best-practices-when-reviewing-scripts\" rel=\" noopener\">E&amp;O: Reviewing Scripts</a></p>\n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">Distributor Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-what-is-my-distributor-and-financer-asking-for\" rel=\" noopener\">Documentary E&amp;O Insurance</a></p>\n<p><a href=\"/articles/copyright-reports-use-them-to-minimize-the-potential-of-a-producers-eo-claim\" rel=\" noopener\">Copyright Reports</a></p>\n<p><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\" noopener\">How much of your film is copyright-able?</a></p>\n<p><a href=\"/articles/articles/bid/103438/e-o-acquire-proper-permission-before-you-eat-at-mcd-or-drink-a-c\" rel=\" noopener\">Copyright Infringements</a></p>\n<p><a href=\"/articles/articles/bid/10796/title-reports-who-needs-them-e-o-insurance\" rel=\" noopener\">Title Reports</a></p>\n<p><a href=\"/articles/articles/bid/26544/script-insurance-clearance-reports-what-are-they-and-why-are-they-important\" rel=\" noopener\">Script Clearance Reports</a></p>\n<p><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\" noopener\">Clearance Procedures</a></p>\n<p><a href=\"/articles/articles/bid/107141/film-insurance-e-o-claims-made-policies-vs-occurrence-policies\" rel=\" noopener\">Claims Made vs. Occurrence</a></p>\n<p><a href=\"/articles/filmmakers-insurance-part-i\" rel=\" noopener\">Fair Use</a></p>\n<p><a href=\"/articles/broadcasting-film-insurance\" rel=\" noopener\">False Light Accusations</a></p>\n<p>The value of a lawyer</p>\n<p><a href=\"/articles/producers-eo-contact-a-clearance-lawyer-early-to-avoid-problems\" rel=\"noopener\">Contact a clearance lawyer early to avoid problems on your shoot</a></p>\n<p><a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerbergyour-blog-post-title-here\" rel=\" noopener\">To get or not get permission: The Social Network</a></p>\n<p><a href=\"/articles/bid/107690/obtaining-e-o-insurance-for-your-film-production-and-preventing-litigation\" rel=\" noopener\">A production lawyer's guide to obtaining E&amp;O insurance and preventing litigation</a></p>\n</div>","blog_post_schedule_task_uid":null,"legacy_post_guid":"04dc51cf-8b36-4137-b6be-8407abbded8b","featured_image_alt_text":"E&O Insurance for Film and TV: The Value of a Lawyer","enable_google_amp_output_override":false,"last_edit_session_id":null,"last_edit_update_id":null,"tag_ids":[949708774,949708809,949708814,949708924,949709279,949709809],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1649436925039,"layout_sections":{},"featured_image_width":300,"featured_image_height":175,"header":null},"metaDescription":"The Value of a Lawyer in obtaining E&O Insurance for Film and TV.","metaKeywords":"Errors & Omissions Insurance, Obtain an E&O Quote, Film E&O, Film Insurance","name":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >E&O Insurance for Film and TV: The Value of a Lawyer</span>","nextPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/post-production/post-production-studios-flood-protection-forweb300.jpg","nextPostFeaturedImageAltText":"10 Tips to Prevent Water Damage to Your Post-Production Facility","nextPostName":"10 Tips to Prevent Water Damage to Your Post-Production Facility","nextPostSlug":"articles/articles/bid/102658/post-production-insurance-10-tips-to-prevent-water-damage-to-your-facility","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"E&O Insurance for Film and TV: The Value of a Lawyer","parentBlog":{"absoluteUrl":"https://www.frontrowinsurance.com/articles","allowComments":true,"ampBodyColor":"#404040","ampBodyFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampBodyFontSize":"18","ampCustomCss":"","ampHeaderBackgroundColor":"#ffffff","ampHeaderColor":"#1e1e1e","ampHeaderFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampHeaderFontSize":"36","ampLinkColor":"#416bb3","ampLogoAlt":"Front Row Insurance 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Front Row View (entertainment insurance blog)","publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1650089754719,"updatedDateTime":1650089754719,"urlBase":"www.frontrowinsurance.com/articles","urlSegments":{},"useFeaturedImageInSummary":true,"usesDefaultTemplate":false,"weeklyNotificationEmailId":"952268106"},"password":null,"pastMabExperimentIds":[],"performableGuid":"","performableVariationLetter":null,"personas":[],"placementGuids":["445ca884-7457-48b4-91d3-aca80e4d61e0"],"portableKey":null,"portalId":61352,"position":null,"postBody":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-migrated-cms-post\">\n<p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n<!--more--><h2><span style=\"font-size: 36px;\">E&amp;O Insurance: The Value of a Lawyer</span></h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/q8qH44h4GoE\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p><br>Entertainment lawyers are often called upon to help clients obtain <a title=\"Errors &amp; Omissions insurance for their productions\" href=\"/sectors/e-o-insurance/\" target=\"_self\">Errors &amp; Omissions insurance for their productions</a>. This job is easy if the needs of E&amp;O insurers are considered before production begins. However, the process can be difficult and time-consuming if no thought is given to E&amp;O coverage until after the final cut is locked.</p>\n<p>E&amp;O Insurance covers claims against a production, including breach of copyright or <a href=\"/articles/what-is-a-trade-mark\" rel=\" noopener\">trademark</a>, breach of privacy, defamation and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract (implied-in-fact)</a>. These claims do not usually surface until there has been a broadcast or exhibition of the production.</p>\n<p>E&amp;O coverage is not included in the standard production insurance that is taken out for injuries, damage to property, etc. Only occasionally do you hear about the types of claims for which <a title=\"E&amp;O insurance provides protection\" href=\"/sectors/e-o-insurance/\" target=\"_self\">E&amp;O insurance provides protection</a>.</p>\n<p>For example, an action was brought several years ago against Dreamworks by an author who had written a book about the events depicted in the feature film <em>Amistad</em>. The author claimed that her copyright had been breached because the film told the story in ways which were similar to the book. More recently, one of the characters depicted in the feature film <em>Boys Don’t Cry</em> has brought an action for breach of privacy because of the manner in which her life was depicted.</p>\n<p>But most claims do not make headlines; usually they're threatened, then settled. Even if your insurer is ultimately successful in defeating a claim, it can still be costly because of the legal fees involved. And even if a claim is settled, the producer generally pays.</p>\n<p>There are only a small number of insurers who provide E&amp;O insurance to the entertainment industry. These policies are sold by specialized agents who are familiar with film and television production. If you have been involved in producing a documentary or television production, you have probably filled out the <a href=\"/articles/answer-all-questions-on-eo-application\" rel=\"noopener\">lengthy forms involved in making an E&amp;O application</a>.</p>\n<p>The application tells the agent how far along you are in the production and what the problem areas are likely to be, but it also serves as a handy checklist for you. Once the application is received, the agent will provide you with a quote and hand it over to lawyers who provide advice to the insurer about the risks involved with the production. The insurer will have its lawyer contact production counsel to review the potential problem areas and to discuss how these will be addressed.</p>\n<p>The advantage of having your lawyer speak directly to the insurer’s lawyer is that often E&amp;O insurance can be approved with a single phone call. The disadvantage from a lawyer’s perspective is that you sometimes end up doing the insurer’s dirty work by telling a client why certain material can’t be used. Because the insurer’s lawyer relies on production lawyers to decide whether to grant insurance, your lawyer is obliged to identify problem areas. If they do not, you (and the broadcaster) could end up being liable for the omission and your lawyer’s credibility can be affected.</p>\n<p></p>\n<p><a href=\"/sectors/e-o-insurance/\" target=\"_self\"><img id=\"img-1329788366506\" src=\"http://cdn2.hubspot.net/hub/61352/file-14871418-jpg/images/front-row-entertainment-insurance_page-title1.jpg\" alt=\"Errors &amp; Omissions Insurance\" width=\"546\" height=\"85\" border=\"0\"></a></p>\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/errors-omissions-insurance-101\" rel=\" noopener\">E&amp;O Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/eo-what-filmmakers-need-to-know\" rel=\" noopener\">E&amp;O: What You Need to Know</a></p>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O: Cost</a></p>\n<p><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\" rel=\" noopener\">Are you paying for the coverage you need?</a></p>\n<p><a href=\"/articles/articles/bid/24691/steps-to-obtain-errors-and-ommissions-insurance-for-films\" rel=\" noopener\">Steps to Obtain</a></p>\n<p><a href=\"/articles/protecting-your-script\" rel=\" noopener\">Producer Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-insurance-best-practices-when-reviewing-scripts\" rel=\" noopener\">E&amp;O: Reviewing Scripts</a></p>\n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">Distributor Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-what-is-my-distributor-and-financer-asking-for\" rel=\" noopener\">Documentary E&amp;O Insurance</a></p>\n<p><a href=\"/articles/copyright-reports-use-them-to-minimize-the-potential-of-a-producers-eo-claim\" rel=\" noopener\">Copyright Reports</a></p>\n<p><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\" noopener\">How much of your film is copyright-able?</a></p>\n<p><a href=\"/articles/articles/bid/103438/e-o-acquire-proper-permission-before-you-eat-at-mcd-or-drink-a-c\" rel=\" noopener\">Copyright Infringements</a></p>\n<p><a href=\"/articles/articles/bid/10796/title-reports-who-needs-them-e-o-insurance\" rel=\" noopener\">Title Reports</a></p>\n<p><a href=\"/articles/articles/bid/26544/script-insurance-clearance-reports-what-are-they-and-why-are-they-important\" rel=\" noopener\">Script Clearance Reports</a></p>\n<p><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\" noopener\">Clearance Procedures</a></p>\n<p><a href=\"/articles/articles/bid/107141/film-insurance-e-o-claims-made-policies-vs-occurrence-policies\" rel=\" noopener\">Claims Made vs. Occurrence</a></p>\n<p><a href=\"/articles/filmmakers-insurance-part-i\" rel=\" noopener\">Fair Use</a></p>\n<p><a href=\"/articles/broadcasting-film-insurance\" rel=\" noopener\">False Light Accusations</a></p>\n<p>The value of a lawyer</p>\n<p><a href=\"/articles/producers-eo-contact-a-clearance-lawyer-early-to-avoid-problems\" rel=\"noopener\">Contact a clearance lawyer early to avoid problems on your shoot</a></p>\n<p><a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerbergyour-blog-post-title-here\" rel=\" noopener\">To get or not get permission: The Social Network</a></p>\n<p><a href=\"/articles/bid/107690/obtaining-e-o-insurance-for-your-film-production-and-preventing-litigation\" rel=\" noopener\">A production lawyer's guide to obtaining E&amp;O insurance and preventing litigation</a></p>\n</div></span>","postBodyRss":"<div class=\"hs-migrated-cms-post\">\n<p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n<!--more--><h2><span style=\"font-size: 36px;\">E&amp;O Insurance: The Value of a Lawyer</span></h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/q8qH44h4GoE\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p><br>Entertainment lawyers are often called upon to help clients obtain <a title=\"Errors &amp; Omissions insurance for their productions\" href=\"/sectors/e-o-insurance/\" target=\"_self\">Errors &amp; Omissions insurance for their productions</a>. This job is easy if the needs of E&amp;O insurers are considered before production begins. However, the process can be difficult and time-consuming if no thought is given to E&amp;O coverage until after the final cut is locked.</p>\n<p>E&amp;O Insurance covers claims against a production, including breach of copyright or <a href=\"/articles/what-is-a-trade-mark\" rel=\" noopener\">trademark</a>, breach of privacy, defamation and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract (implied-in-fact)</a>. These claims do not usually surface until there has been a broadcast or exhibition of the production.</p>\n<p>E&amp;O coverage is not included in the standard production insurance that is taken out for injuries, damage to property, etc. Only occasionally do you hear about the types of claims for which <a title=\"E&amp;O insurance provides protection\" href=\"/sectors/e-o-insurance/\" target=\"_self\">E&amp;O insurance provides protection</a>.</p>\n<p>For example, an action was brought several years ago against Dreamworks by an author who had written a book about the events depicted in the feature film <em>Amistad</em>. The author claimed that her copyright had been breached because the film told the story in ways which were similar to the book. More recently, one of the characters depicted in the feature film <em>Boys Don’t Cry</em> has brought an action for breach of privacy because of the manner in which her life was depicted.</p>\n<p>But most claims do not make headlines; usually they're threatened, then settled. Even if your insurer is ultimately successful in defeating a claim, it can still be costly because of the legal fees involved. And even if a claim is settled, the producer generally pays.</p>\n<p>There are only a small number of insurers who provide E&amp;O insurance to the entertainment industry. These policies are sold by specialized agents who are familiar with film and television production. If you have been involved in producing a documentary or television production, you have probably filled out the <a href=\"/articles/answer-all-questions-on-eo-application\" rel=\"noopener\">lengthy forms involved in making an E&amp;O application</a>.</p>\n<p>The application tells the agent how far along you are in the production and what the problem areas are likely to be, but it also serves as a handy checklist for you. Once the application is received, the agent will provide you with a quote and hand it over to lawyers who provide advice to the insurer about the risks involved with the production. The insurer will have its lawyer contact production counsel to review the potential problem areas and to discuss how these will be addressed.</p>\n<p>The advantage of having your lawyer speak directly to the insurer’s lawyer is that often E&amp;O insurance can be approved with a single phone call. The disadvantage from a lawyer’s perspective is that you sometimes end up doing the insurer’s dirty work by telling a client why certain material can’t be used. Because the insurer’s lawyer relies on production lawyers to decide whether to grant insurance, your lawyer is obliged to identify problem areas. If they do not, you (and the broadcaster) could end up being liable for the omission and your lawyer’s credibility can be affected.</p>\n<p></p>\n<p><a href=\"/sectors/e-o-insurance/\" target=\"_self\"><img id=\"img-1329788366506\" src=\"http://cdn2.hubspot.net/hub/61352/file-14871418-jpg/images/front-row-entertainment-insurance_page-title1.jpg\" alt=\"Errors &amp; Omissions Insurance\" width=\"546\" height=\"85\" border=\"0\"></a></p>\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/errors-omissions-insurance-101\" rel=\" noopener\">E&amp;O Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/eo-what-filmmakers-need-to-know\" rel=\" noopener\">E&amp;O: What You Need to Know</a></p>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O: Cost</a></p>\n<p><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\" rel=\" noopener\">Are you paying for the coverage you need?</a></p>\n<p><a href=\"/articles/articles/bid/24691/steps-to-obtain-errors-and-ommissions-insurance-for-films\" rel=\" noopener\">Steps to Obtain</a></p>\n<p><a href=\"/articles/protecting-your-script\" rel=\" noopener\">Producer Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-insurance-best-practices-when-reviewing-scripts\" rel=\" noopener\">E&amp;O: Reviewing Scripts</a></p>\n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">Distributor Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-what-is-my-distributor-and-financer-asking-for\" rel=\" noopener\">Documentary E&amp;O Insurance</a></p>\n<p><a href=\"/articles/copyright-reports-use-them-to-minimize-the-potential-of-a-producers-eo-claim\" rel=\" noopener\">Copyright Reports</a></p>\n<p><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\" noopener\">How much of your film is copyright-able?</a></p>\n<p><a href=\"/articles/articles/bid/103438/e-o-acquire-proper-permission-before-you-eat-at-mcd-or-drink-a-c\" rel=\" noopener\">Copyright Infringements</a></p>\n<p><a href=\"/articles/articles/bid/10796/title-reports-who-needs-them-e-o-insurance\" rel=\" noopener\">Title Reports</a></p>\n<p><a href=\"/articles/articles/bid/26544/script-insurance-clearance-reports-what-are-they-and-why-are-they-important\" rel=\" noopener\">Script Clearance Reports</a></p>\n<p><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\" noopener\">Clearance Procedures</a></p>\n<p><a href=\"/articles/articles/bid/107141/film-insurance-e-o-claims-made-policies-vs-occurrence-policies\" rel=\" noopener\">Claims Made vs. Occurrence</a></p>\n<p><a href=\"/articles/filmmakers-insurance-part-i\" rel=\" noopener\">Fair Use</a></p>\n<p><a href=\"/articles/broadcasting-film-insurance\" rel=\" noopener\">False Light Accusations</a></p>\n<p>The value of a lawyer</p>\n<p><a href=\"/articles/producers-eo-contact-a-clearance-lawyer-early-to-avoid-problems\" rel=\"noopener\">Contact a clearance lawyer early to avoid problems on your shoot</a></p>\n<p><a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerbergyour-blog-post-title-here\" rel=\" noopener\">To get or not get permission: The Social Network</a></p>\n<p><a href=\"/articles/bid/107690/obtaining-e-o-insurance-for-your-film-production-and-preventing-litigation\" rel=\" noopener\">A production lawyer's guide to obtaining E&amp;O insurance and preventing litigation</a></p>\n</div>","postEmailContent":"<div class=\"hs-migrated-cms-post\"> \n <p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p> \n</div>","postFeaturedImageIfEnabled":"https://cdn2.hubspot.net/hubfs/61352/images/eando/lawyer-forwebsocial.jpg","postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-migrated-cms-post\">\n<p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n<!--more--><h2><span style=\"font-size: 36px;\">E&amp;O Insurance: The Value of a Lawyer</span></h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/q8qH44h4GoE\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p><br>Entertainment lawyers are often called upon to help clients obtain <a title=\"Errors &amp; Omissions insurance for their productions\" href=\"/sectors/e-o-insurance/\" target=\"_self\">Errors &amp; Omissions insurance for their productions</a>. This job is easy if the needs of E&amp;O insurers are considered before production begins. However, the process can be difficult and time-consuming if no thought is given to E&amp;O coverage until after the final cut is locked.</p>\n<p>E&amp;O Insurance covers claims against a production, including breach of copyright or <a href=\"/articles/what-is-a-trade-mark\" rel=\" noopener\">trademark</a>, breach of privacy, defamation and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract (implied-in-fact)</a>. These claims do not usually surface until there has been a broadcast or exhibition of the production.</p>\n<p>E&amp;O coverage is not included in the standard production insurance that is taken out for injuries, damage to property, etc. Only occasionally do you hear about the types of claims for which <a title=\"E&amp;O insurance provides protection\" href=\"/sectors/e-o-insurance/\" target=\"_self\">E&amp;O insurance provides protection</a>.</p>\n<p>For example, an action was brought several years ago against Dreamworks by an author who had written a book about the events depicted in the feature film <em>Amistad</em>. The author claimed that her copyright had been breached because the film told the story in ways which were similar to the book. More recently, one of the characters depicted in the feature film <em>Boys Don’t Cry</em> has brought an action for breach of privacy because of the manner in which her life was depicted.</p>\n<p>But most claims do not make headlines; usually they're threatened, then settled. Even if your insurer is ultimately successful in defeating a claim, it can still be costly because of the legal fees involved. And even if a claim is settled, the producer generally pays.</p>\n<p>There are only a small number of insurers who provide E&amp;O insurance to the entertainment industry. These policies are sold by specialized agents who are familiar with film and television production. If you have been involved in producing a documentary or television production, you have probably filled out the <a href=\"/articles/answer-all-questions-on-eo-application\" rel=\"noopener\">lengthy forms involved in making an E&amp;O application</a>.</p>\n<p>The application tells the agent how far along you are in the production and what the problem areas are likely to be, but it also serves as a handy checklist for you. Once the application is received, the agent will provide you with a quote and hand it over to lawyers who provide advice to the insurer about the risks involved with the production. The insurer will have its lawyer contact production counsel to review the potential problem areas and to discuss how these will be addressed.</p>\n<p>The advantage of having your lawyer speak directly to the insurer’s lawyer is that often E&amp;O insurance can be approved with a single phone call. The disadvantage from a lawyer’s perspective is that you sometimes end up doing the insurer’s dirty work by telling a client why certain material can’t be used. Because the insurer’s lawyer relies on production lawyers to decide whether to grant insurance, your lawyer is obliged to identify problem areas. If they do not, you (and the broadcaster) could end up being liable for the omission and your lawyer’s credibility can be affected.</p>\n<p></p>\n<p><a href=\"/sectors/e-o-insurance/\" target=\"_self\"><img id=\"img-1329788366506\" src=\"http://cdn2.hubspot.net/hub/61352/file-14871418-jpg/images/front-row-entertainment-insurance_page-title1.jpg\" alt=\"Errors &amp; Omissions Insurance\" width=\"546\" height=\"85\" border=\"0\"></a></p>\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/errors-omissions-insurance-101\" rel=\" noopener\">E&amp;O Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/eo-what-filmmakers-need-to-know\" rel=\" noopener\">E&amp;O: What You Need to Know</a></p>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O: Cost</a></p>\n<p><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\" rel=\" noopener\">Are you paying for the coverage you need?</a></p>\n<p><a href=\"/articles/articles/bid/24691/steps-to-obtain-errors-and-ommissions-insurance-for-films\" rel=\" noopener\">Steps to Obtain</a></p>\n<p><a href=\"/articles/protecting-your-script\" rel=\" noopener\">Producer Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-insurance-best-practices-when-reviewing-scripts\" rel=\" noopener\">E&amp;O: Reviewing Scripts</a></p>\n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">Distributor Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-what-is-my-distributor-and-financer-asking-for\" rel=\" noopener\">Documentary E&amp;O Insurance</a></p>\n<p><a href=\"/articles/copyright-reports-use-them-to-minimize-the-potential-of-a-producers-eo-claim\" rel=\" noopener\">Copyright Reports</a></p>\n<p><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\" noopener\">How much of your film is copyright-able?</a></p>\n<p><a href=\"/articles/articles/bid/103438/e-o-acquire-proper-permission-before-you-eat-at-mcd-or-drink-a-c\" rel=\" noopener\">Copyright Infringements</a></p>\n<p><a href=\"/articles/articles/bid/10796/title-reports-who-needs-them-e-o-insurance\" rel=\" noopener\">Title Reports</a></p>\n<p><a href=\"/articles/articles/bid/26544/script-insurance-clearance-reports-what-are-they-and-why-are-they-important\" rel=\" noopener\">Script Clearance Reports</a></p>\n<p><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\" noopener\">Clearance Procedures</a></p>\n<p><a href=\"/articles/articles/bid/107141/film-insurance-e-o-claims-made-policies-vs-occurrence-policies\" rel=\" noopener\">Claims Made vs. Occurrence</a></p>\n<p><a href=\"/articles/filmmakers-insurance-part-i\" rel=\" noopener\">Fair Use</a></p>\n<p><a href=\"/articles/broadcasting-film-insurance\" rel=\" noopener\">False Light Accusations</a></p>\n<p>The value of a lawyer</p>\n<p><a href=\"/articles/producers-eo-contact-a-clearance-lawyer-early-to-avoid-problems\" rel=\"noopener\">Contact a clearance lawyer early to avoid problems on your shoot</a></p>\n<p><a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerbergyour-blog-post-title-here\" rel=\" noopener\">To get or not get permission: The Social Network</a></p>\n<p><a href=\"/articles/bid/107690/obtaining-e-o-insurance-for-your-film-production-and-preventing-litigation\" rel=\" noopener\">A production lawyer's guide to obtaining E&amp;O insurance and preventing litigation</a></p>\n</div></span>","postListSummaryFeaturedImage":"","postRssContent":"<div class=\"hs-migrated-cms-post\"> \n <p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p> \n</div>","postRssSummaryFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/images/eando/lawyer-forwebsocial.jpg","postSummary":"<div class=\"hs-migrated-cms-post\">\n<p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n</div>","postSummaryRss":"<div class=\"hs-migrated-cms-post\"> \n <p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p> \n</div>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"h3QSbfX-","previousPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/A-Canadian-Insurance-Broker-Needed-to-Avoid-Potential-Tax-Penalties-forweb300.jpg","previousPostFeaturedImageAltText":"A Canadian Insurance Broker Needed to Avoid Potential Tax Penalties","previousPostName":"A Canadian Insurance Broker Needed to Avoid Potential Tax Penalties","previousPostSlug":"articles/articles/bid/101992/a-canadian-insurance-broker-needed-to-avoid-potential-tax-penalties","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[],"publicAccessRulesEnabled":false,"publishDate":1329788040000,"publishDateLocalTime":1329788040000,"publishDateLocalized":{"date":1329788040000,"format":"medium","language":"en_US"},"publishImmediately":false,"publishTimezoneOffset":null,"publishedAt":1649436925039,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":"en","rssBody":"<div class=\"hs-migrated-cms-post\">\n<p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n<!--more--><h2><span style=\"font-size: 36px;\">E&amp;O Insurance: The Value of a Lawyer</span></h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/q8qH44h4GoE\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p><br>Entertainment lawyers are often called upon to help clients obtain <a title=\"Errors &amp; Omissions insurance for their productions\" href=\"/sectors/e-o-insurance/\" target=\"_self\">Errors &amp; Omissions insurance for their productions</a>. This job is easy if the needs of E&amp;O insurers are considered before production begins. However, the process can be difficult and time-consuming if no thought is given to E&amp;O coverage until after the final cut is locked.</p>\n<p>E&amp;O Insurance covers claims against a production, including breach of copyright or <a href=\"/articles/what-is-a-trade-mark\" rel=\" noopener\">trademark</a>, breach of privacy, defamation and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract (implied-in-fact)</a>. These claims do not usually surface until there has been a broadcast or exhibition of the production.</p>\n<p>E&amp;O coverage is not included in the standard production insurance that is taken out for injuries, damage to property, etc. Only occasionally do you hear about the types of claims for which <a title=\"E&amp;O insurance provides protection\" href=\"/sectors/e-o-insurance/\" target=\"_self\">E&amp;O insurance provides protection</a>.</p>\n<p>For example, an action was brought several years ago against Dreamworks by an author who had written a book about the events depicted in the feature film <em>Amistad</em>. The author claimed that her copyright had been breached because the film told the story in ways which were similar to the book. More recently, one of the characters depicted in the feature film <em>Boys Don’t Cry</em> has brought an action for breach of privacy because of the manner in which her life was depicted.</p>\n<p>But most claims do not make headlines; usually they're threatened, then settled. Even if your insurer is ultimately successful in defeating a claim, it can still be costly because of the legal fees involved. And even if a claim is settled, the producer generally pays.</p>\n<p>There are only a small number of insurers who provide E&amp;O insurance to the entertainment industry. These policies are sold by specialized agents who are familiar with film and television production. If you have been involved in producing a documentary or television production, you have probably filled out the <a href=\"/articles/answer-all-questions-on-eo-application\" rel=\"noopener\">lengthy forms involved in making an E&amp;O application</a>.</p>\n<p>The application tells the agent how far along you are in the production and what the problem areas are likely to be, but it also serves as a handy checklist for you. Once the application is received, the agent will provide you with a quote and hand it over to lawyers who provide advice to the insurer about the risks involved with the production. The insurer will have its lawyer contact production counsel to review the potential problem areas and to discuss how these will be addressed.</p>\n<p>The advantage of having your lawyer speak directly to the insurer’s lawyer is that often E&amp;O insurance can be approved with a single phone call. The disadvantage from a lawyer’s perspective is that you sometimes end up doing the insurer’s dirty work by telling a client why certain material can’t be used. Because the insurer’s lawyer relies on production lawyers to decide whether to grant insurance, your lawyer is obliged to identify problem areas. If they do not, you (and the broadcaster) could end up being liable for the omission and your lawyer’s credibility can be affected.</p>\n<p></p>\n<p><a href=\"/sectors/e-o-insurance/\" target=\"_self\"><img id=\"img-1329788366506\" src=\"http://cdn2.hubspot.net/hub/61352/file-14871418-jpg/images/front-row-entertainment-insurance_page-title1.jpg\" alt=\"Errors &amp; Omissions Insurance\" width=\"546\" height=\"85\" border=\"0\"></a></p>\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/errors-omissions-insurance-101\" rel=\" noopener\">E&amp;O Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/eo-what-filmmakers-need-to-know\" rel=\" noopener\">E&amp;O: What You Need to Know</a></p>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O: Cost</a></p>\n<p><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\" rel=\" noopener\">Are you paying for the coverage you need?</a></p>\n<p><a href=\"/articles/articles/bid/24691/steps-to-obtain-errors-and-ommissions-insurance-for-films\" rel=\" noopener\">Steps to Obtain</a></p>\n<p><a href=\"/articles/protecting-your-script\" rel=\" noopener\">Producer Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-insurance-best-practices-when-reviewing-scripts\" rel=\" noopener\">E&amp;O: Reviewing Scripts</a></p>\n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">Distributor Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-what-is-my-distributor-and-financer-asking-for\" rel=\" noopener\">Documentary E&amp;O Insurance</a></p>\n<p><a href=\"/articles/copyright-reports-use-them-to-minimize-the-potential-of-a-producers-eo-claim\" rel=\" noopener\">Copyright Reports</a></p>\n<p><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\" noopener\">How much of your film is copyright-able?</a></p>\n<p><a href=\"/articles/articles/bid/103438/e-o-acquire-proper-permission-before-you-eat-at-mcd-or-drink-a-c\" rel=\" noopener\">Copyright Infringements</a></p>\n<p><a href=\"/articles/articles/bid/10796/title-reports-who-needs-them-e-o-insurance\" rel=\" noopener\">Title Reports</a></p>\n<p><a href=\"/articles/articles/bid/26544/script-insurance-clearance-reports-what-are-they-and-why-are-they-important\" rel=\" noopener\">Script Clearance Reports</a></p>\n<p><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\" noopener\">Clearance Procedures</a></p>\n<p><a href=\"/articles/articles/bid/107141/film-insurance-e-o-claims-made-policies-vs-occurrence-policies\" rel=\" noopener\">Claims Made vs. Occurrence</a></p>\n<p><a href=\"/articles/filmmakers-insurance-part-i\" rel=\" noopener\">Fair Use</a></p>\n<p><a href=\"/articles/broadcasting-film-insurance\" rel=\" noopener\">False Light Accusations</a></p>\n<p>The value of a lawyer</p>\n<p><a href=\"/articles/producers-eo-contact-a-clearance-lawyer-early-to-avoid-problems\" rel=\"noopener\">Contact a clearance lawyer early to avoid problems on your shoot</a></p>\n<p><a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerbergyour-blog-post-title-here\" rel=\" noopener\">To get or not get permission: The Social Network</a></p>\n<p><a href=\"/articles/bid/107690/obtaining-e-o-insurance-for-your-film-production-and-preventing-litigation\" rel=\" noopener\">A production lawyer's guide to obtaining E&amp;O insurance and preventing litigation</a></p>\n</div>","rssSummary":"<div class=\"hs-migrated-cms-post\">\n<p style=\"text-align: right; font-size: 14px;\"><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n</div>","rssSummaryFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/images/eando/lawyer-forwebsocial.jpg","scheduledUpdateDate":0,"screenshotPreviewTakenAt":1649436925208,"screenshotPreviewUrl":"https://cdn2.hubspot.net/hubshot/22/04/08/9f20454f-9ac8-4e38-97d2-905538466802.png","sections":{},"securityState":"NONE","siteId":0,"slug":"articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer","stagedFrom":null,"state":"PUBLISHED","stateWhenDeleted":null,"styleOverrideId":null,"subcategory":"legacy_blog_post","syncedWithBlogRoot":true,"tagIds":[949708774,949708809,949708814,949708924,949709279,949709809],"tagList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901715000,"deletedAt":0,"description":"","id":949708774,"label":"Film Insurance","language":"en","name":"Film 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2020","module_id":33051772119,"name":"module_15960847531069","order":4,"smart_type":null,"styles":{},"type":"module"},"module_15965216980304":{"body":{"definition_id":null,"field_types":{"add_content":"richtext","enable_rich_text_module":"boolean"},"module_id":33156769794,"path":"/Coded files/Custom/blog/FrontRow2014/Basic Rich Text Box for Blog","smart_objects":null,"smart_type":"NOT_SMART","tag":"module","type":"module","wrap_field_tag":"div"},"child_css":{},"css":{},"id":"module_15965216980304","label":"Basic Rich Text Box for Blog","module_id":33156769794,"name":"module_15965216980304","order":5,"smart_type":null,"styles":{},"type":"module"},"name":{"body":{"title":"E&O Insurance for Film and TV: The Value of a Lawyer"},"id":"name","label":"Title","name":"name","type":"text"},"post_body":{"body":{"html":"<div class=\"hs-migrated-cms-post\">\n<p><em>By:&nbsp;<strong>Doran S. Chandler&nbsp;-&nbsp;</strong>Roberts &amp; Stahl, Entertainment Lawyers</em></p>\n<!--more-->\n<h1>E&amp;O Insurance: The Value of a Lawyer</h1>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/q8qH44h4GoE\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p><br>Entertainment lawyers are often called upon to help clients obtain <a title=\"Errors &amp; Omissions insurance for their productions\" href=\"/sectors/e-o-insurance/\" target=\"_self\">Errors &amp; Omissions insurance for their productions</a>. This job is easy if the needs of E&amp;O insurers are considered before production begins. However, the process can be difficult and time-consuming if no thought is given to E&amp;O coverage until after the final cut is locked.</p>\n<p>E&amp;O Insurance covers claims against a production, including breach of copyright or <a href=\"/articles/what-is-a-trade-mark\" rel=\" noopener\">trademark</a>, breach of privacy, defamation and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract (implied-in-fact)</a>. These claims do not usually surface until there has been a broadcast or exhibition of the production.</p>\n<p>E&amp;O coverage is not included in the standard production insurance that is taken out for injuries, damage to property, etc. Only occasionally do you hear about the types of claims for which <a title=\"E&amp;O insurance provides protection\" href=\"/sectors/e-o-insurance/\" target=\"_self\">E&amp;O insurance provides protection</a>.</p>\n<p>For example, an action was brought several years ago against Dreamworks by an author who had written a book about the events depicted in the feature film <em>Amistad</em>. The author claimed that her copyright had been breached because the film told the story in ways which were similar to the book. More recently, one of the characters depicted in the feature film <em>Boys Don’t Cry</em> has brought an action for breach of privacy because of the manner in which her life was depicted.</p>\n<p>But most claims do not make headlines; usually they're threatened, then settled. Even if your insurer is ultimately successful in defeating a claim, it can still be costly because of the legal fees involved. And even if a claim is settled, the producer generally pays.</p>\n<p>There are only a small number of insurers who provide E&amp;O insurance to the entertainment industry. These policies are sold by specialized agents who are familiar with film and television production. If you have been involved in producing a documentary or television production, you have probably filled out the <a href=\"/articles/answer-all-questions-on-eo-application\" rel=\"noopener\">lengthy forms involved in making an E&amp;O application</a>.</p>\n<p>The application tells the agent how far along you are in the production and what the problem areas are likely to be, but it also serves as a handy checklist for you. Once the application is received, the agent will provide you with a quote and hand it over to lawyers who provide advice to the insurer about the risks involved with the production. The insurer will have its lawyer contact production counsel to review the potential problem areas and to discuss how these will be addressed.</p>\n<p>The advantage of having your lawyer speak directly to the insurer’s lawyer is that often E&amp;O insurance can be approved with a single phone call. The disadvantage from a lawyer’s perspective is that you sometimes end up doing the insurer’s dirty work by telling a client why certain material can’t be used. Because the insurer’s lawyer relies on production lawyers to decide whether to grant insurance, your lawyer is obliged to identify problem areas. If they do not, you (and the broadcaster) could end up being liable for the omission and your lawyer’s credibility can be affected.</p>\n<p></p>\n<p><a href=\"/sectors/e-o-insurance/\" target=\"_self\"><img id=\"img-1329788366506\" src=\"http://cdn2.hubspot.net/hub/61352/file-14871418-jpg/images/front-row-entertainment-insurance_page-title1.jpg\" alt=\"Errors &amp; Omissions Insurance\" width=\"546\" height=\"85\" border=\"0\"></a></p>\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/errors-omissions-insurance-101\" rel=\" noopener\">E&amp;O Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/eo-what-filmmakers-need-to-know\" rel=\" noopener\">E&amp;O: What You Need to Know</a></p>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O: Cost</a></p>\n<p><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\" rel=\" noopener\">Are you paying for the coverage you need?</a></p>\n<p><a href=\"/articles/articles/bid/24691/steps-to-obtain-errors-and-ommissions-insurance-for-films\" rel=\" noopener\">Steps to Obtain</a></p>\n<p><a href=\"/articles/protecting-your-script\" rel=\" noopener\">Producer Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-insurance-best-practices-when-reviewing-scripts\" rel=\" noopener\">E&amp;O: Reviewing Scripts</a></p>\n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">Distributor Errors and Omissions</a></p>\n<p><a href=\"/articles/producers-eo-what-is-my-distributor-and-financer-asking-for\" rel=\" noopener\">Documentary E&amp;O Insurance</a></p>\n<p><a href=\"/articles/copyright-reports-use-them-to-minimize-the-potential-of-a-producers-eo-claim\" rel=\" noopener\">Copyright Reports</a></p>\n<p><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\" noopener\">How much of your film is copyright-able?</a></p>\n<p><a href=\"/articles/articles/bid/103438/e-o-acquire-proper-permission-before-you-eat-at-mcd-or-drink-a-c\" rel=\" noopener\">Copyright Infringements</a></p>\n<p><a href=\"/articles/articles/bid/10796/title-reports-who-needs-them-e-o-insurance\" rel=\" noopener\">Title Reports</a></p>\n<p><a href=\"/articles/articles/bid/26544/script-insurance-clearance-reports-what-are-they-and-why-are-they-important\" rel=\" noopener\">Script Clearance Reports</a></p>\n<p><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\" noopener\">Clearance Procedures</a></p>\n<p><a href=\"/articles/articles/bid/107141/film-insurance-e-o-claims-made-policies-vs-occurrence-policies\" rel=\" noopener\">Claims Made vs. Occurrence</a></p>\n<p><a href=\"/articles/filmmakers-insurance-part-i\" rel=\" noopener\">Fair Use</a></p>\n<p><a href=\"/articles/broadcasting-film-insurance\" rel=\" noopener\">False Light Accusations</a></p>\n<p>The value of a lawyer</p>\n<p><a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerbergyour-blog-post-title-here\" rel=\" noopener\">To get or not get permission: The Social Network</a></p>\n<p><a href=\"/articles/bid/107690/obtaining-e-o-insurance-for-your-film-production-and-preventing-litigation\" rel=\" noopener\">A production lawyer's guide to obtaining E&amp;O insurance and preventing litigation</a></p>\n</div>"},"deleted_at":1613577751442,"id":"post_body","label":"Blog Content","name":"post_body","type":"rich_text"}}}

E&O Insurance for Film and TV: The Value of a Lawyer

E&O Insurance for Film and TV: The Value of a Lawyer

By: Doran S. Chandler - Roberts & Stahl, Entertainment Lawyers

E&O Insurance: The Value of a Lawyer


Entertainment lawyers are often called upon to help clients obtain Errors & Omissions insurance for their productions. This job is easy if the needs of E&O insurers are considered before production begins. However, the process can be difficult and time-consuming if no thought is given to E&O coverage until after the final cut is locked.

E&O Insurance covers claims against a production, including breach of copyright or trademark, breach of privacy, defamation and breach of contract (implied-in-fact). These claims do not usually surface until there has been a broadcast or exhibition of the production.

E&O coverage is not included in the standard production insurance that is taken out for injuries, damage to property, etc. Only occasionally do you hear about the types of claims for which E&O insurance provides protection.

For example, an action was brought several years ago against Dreamworks by an author who had written a book about the events depicted in the feature film Amistad. The author claimed that her copyright had been breached because the film told the story in ways which were similar to the book. More recently, one of the characters depicted in the feature film Boys Don’t Cry has brought an action for breach of privacy because of the manner in which her life was depicted.

But most claims do not make headlines; usually they're threatened, then settled. Even if your insurer is ultimately successful in defeating a claim, it can still be costly because of the legal fees involved. And even if a claim is settled, the producer generally pays.

There are only a small number of insurers who provide E&O insurance to the entertainment industry. These policies are sold by specialized agents who are familiar with film and television production. If you have been involved in producing a documentary or television production, you have probably filled out the lengthy forms involved in making an E&O application.

The application tells the agent how far along you are in the production and what the problem areas are likely to be, but it also serves as a handy checklist for you. Once the application is received, the agent will provide you with a quote and hand it over to lawyers who provide advice to the insurer about the risks involved with the production. The insurer will have its lawyer contact production counsel to review the potential problem areas and to discuss how these will be addressed.

The advantage of having your lawyer speak directly to the insurer’s lawyer is that often E&O insurance can be approved with a single phone call. The disadvantage from a lawyer’s perspective is that you sometimes end up doing the insurer’s dirty work by telling a client why certain material can’t be used. Because the insurer’s lawyer relies on production lawyers to decide whether to grant insurance, your lawyer is obliged to identify problem areas. If they do not, you (and the broadcaster) could end up being liable for the omission and your lawyer’s credibility can be affected.

Producers' Errors and Omissions Insurance  Learn More

Errors & Omissions Insurance

RELATED LINKS:

E&O Insurance 101 & How to Protect Your Film Project

E&O: What You Need to Know

E&O: Cost

Are you paying for the coverage you need?

Steps to Obtain

Producer Errors and Omissions

E&O: Reviewing Scripts

Distributor Errors and Omissions

Documentary E&O Insurance

Copyright Reports

How much of your film is copyright-able?

Copyright Infringements

Title Reports

Script Clearance Reports

Clearance Procedures

Claims Made vs. Occurrence

Fair Use

False Light Accusations

The value of a lawyer

Contact a clearance lawyer early to avoid problems on your shoot

To get or not get permission: The Social Network

A production lawyer's guide to obtaining E&O insurance and preventing litigation

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