{"portalId":61352,"siteId":null,"id":7010163533,"slug":"articles/eo-what-filmmakers-need-to-know","contentTypeId":null,"contentGroupId":952267656,"campaign":null,"categoryId":3,"state":"PUBLISHED","publishDate":1547081984000,"created":1547078065013,"updated":1649276387534,"templatePath":"","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: What Filmmakers Need to Know</span>","mabExperimentId":null,"archived":false,"authorName":null,"deletedAt":0,"freezeDate":1547081984000,"processingStatus":"PUBLISHED","previewKey":"AXRdAPtp","abTestId":null,"createdById":6181944,"updatedById":7915797,"domain":"","resolvedDomain":"www.frontrowinsurance.com","legacyId":null,"performableGuid":null,"isDraft":false,"subcategory":"normal_blog_post","abStatus":null,"blueprintTypeId":0,"folderId":null,"analyticsPageId":"7010163533","flexAreas":{},"widgetContainers":{},"widgets":{"name":{"body":{"title":"E&O: What Filmmakers Need to Know"},"id":"name","name":"name","type":"text","label":"Title"},"module_156398965931111":{"body":{"path":"/Marketplace/HubSpot/Team_Member/Team Member","widget_name":"Team Member","definition_id":null,"wrapping_html":"","module_id":8696351,"per_widget_wrapper_html":"","smart_type":"NOT_SMART","type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_156398965931111","name":"module_156398965931111","type":"module","order":9,"label":"Team Member","smart_type":null,"styles":{},"module_id":8696351,"deleted_at":1649276351110},"module_15960847531069":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Blog Subscribe New Module 2020","definition_id":null,"module_id":33051772119,"smart_type":"NOT_SMART","field_types":{"add_form":"form","add_form_title":"text","enable_form":"boolean"},"type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_15960847531069","name":"module_15960847531069","type":"module","order":4,"label":"Blog Subscribe New Module 2020","smart_type":null,"styles":{},"module_id":33051772119,"deleted_at":1649276351110},"module_15965216980304":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Basic Rich Text Box for Blog","definition_id":null,"module_id":33156769794,"smart_type":"NOT_SMART","field_types":{"add_content":"richtext","enable_rich_text_module":"boolean"},"type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_15965216980304","name":"module_15965216980304","type":"module","order":5,"label":"Basic Rich Text Box for Blog","smart_type":null,"styles":{},"module_id":33156769794,"deleted_at":1649276351110},"post_body":{"body":{"html":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<h1>E&amp;O: WHAT FILMMAKERS NEED TO KNOW</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/shutterstock_329804927.jpg\" alt=\"E&amp;O insurance\" width=\"300\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\"></p>\n<p>As a filmmaker your top priority is likely bringing your next production to life and maintaining creative inspiration, but you also know how important the business side of film production is.</p>\n<p>This includes understanding the legal and insurance requirements needed to protect your next film. Insurance is a critical part of the film business, especially E&amp;O (Errors and Omissions). If you understand what E&amp;O is and how it can actually <em>serve</em> your production needs, you’ll set your next film up for even greater success.</p>\n<p><em>Here’s how:</em></p>\n<h2>GETTING TO KNOW E&amp;O</h2>\n<p>Producers Errors and Omissions Insurance covers all of the potential legal liabilities and defense costs against lawsuits alleging unauthorized use of titles, formats, ideas, characters, plots, plagiarism, unfair competition or privacy, and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract</a>. It also protects against alleged libel, slander, defamation of character or invasion of privacy. Errors &amp; Omissions is a requirement for distribution deals with studios, television, cable networks, DVD and Internet sites prior to the release of any film production. In fact, if you haven’t released a film yet, you’ll discover that production financing will probably not flow until your E&amp;O coverage is in force.</p>\n<h2>HOW IT WORKS</h2>\n<p>Consider the risks: You’ve released a film that is a HUGE success, and someone accuses you of stealing their idea, or script. No surprise, this happens a lot. For example, after <a href=\"/articles/avatar-producer-recieves-credit-where-credit-is-earned-thanks-to-eo-insurance\" rel=\" noopener\" style=\"font-style: italic;\">Avatar</a> was released in 2009, a man spoke out and claimed that he had actually pitched this multi-award winning movie to James Cameron a few years earlier. An E&amp;O policy would provide a lawyer in this instance and would pay the legal fees and judgement costs if the filmmaker lost.</p>\n<p>Planning an online production? YouTube is a hot bed for E&amp;O disputes. A while back, a music video director posted a parody of a well known movie that went viral, garnering over 1 million views, but unfortunately he didn’t have E&amp;O and the video was taken down as he could not afford the legal costs. A big loss for him and one he could have avoided if he had obtained E&amp;O coverage.</p>\n<h2>WHAT E&amp;O COSTS</h2>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">Premiums for E&amp;O</a> vary based on the content of the production. A straight forward documentary typically cost $2,500 to $4,000 while you can expect to pay $3,500 to $8,000 for a feature film for the industry standard 3-5 year policy term. Every project is unique and requires a custom E&amp;O policy. Standard limits are $1,000,000 per claim/$3,000,000 aggregate with a deductible of $10,000. Ideally, speak to an E&amp;O insurance expert who can advise on the risks related to your particular film. We’d love <a href=\"/sectors/e-o-insurance?hsCtaTracking=3a655ef0-ad77-42e1-82c5-b16da815187d%7C3a89e279-1a99-451a-aa14-350f0ccdbc4e\" rel=\" noopener\">to help with that.</a></p>\n<h2>YOUR NEXT STEPS</h2>\n<ol>\n<li>The first thing an insurance provider will ask you is: Do you have <a href=\"https://www.frontrowinsurance.com/Articles/bid/66030/Film-and-TV-Producers-Errors-and-Omissions-Insurance-Cost\">“Title and script Clearance”? </a>This is a way to discover if you’ve done your legal due diligence to make sure you aren’t engaging in copyright infringement and that you have the right to use the story and title. As you set out to obtain E&amp;O, as a filmmaker you must begin clearance work prior to principal photography, continue during filming and complete it at final cut. Note: It can take up to 10 working days for a project to be cleared and coverage to be in place so you’ll want to start the E&amp;O process early to ensure that your cash flow is not impacted.</li>\n<li>Once obtained, be sure to check your production/distribution/financing agreements regarding the start date for your coverage, as some financiers require Errors &amp; Omissions coverage to be in place for the first day of production before they will provide the first cheque that allows you to start production.</li>\n<li>Your E&amp;O policy will provide defense costs if the producer is sued and will pay the judgment costs if the producer is found liable. Until a lawsuit happens, enjoy peace of mind knowing you’ve got the right coverage in place.<br><br></li>\n</ol>\n<p><strong>About the contributor: </strong><em>David Hamilton is President + CEO of Front Row Insurance, one of the world’s largest entertainment insurance brokers. Front Row offers E&amp;O insurance for filmmakers. E&amp;O Policies start at $1,250 and certificates proving insurance coverage are provided immediately at no cost.</em></p>\n<p>&nbsp;</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><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">The value of a lawyer</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>"},"id":"post_body","name":"post_body","type":"rich_text","label":"Blog Content","deleted_at":1613681513919},"menu_header_sector_categories":{"body":{"root_key":"None","root_type":"site_root","site_map_name":"Sector Categories","max_levels":2,"tag":"menu","type":"menu","flow":"horizontal"},"css":{},"child_css":{},"id":"menu_header_sector_categories","name":"menu_header_sector_categories","type":"menu","order":2,"label":"Menu Header Sector 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"],"postsPerListingPage":10,"postsPerRssFeed":10,"allowComments":true,"closeCommentsOlder":0,"commentModeration":true,"commentNotificationEmails":["mike@frontrowinsurance.com","grant@frontrowinsurance.com"],"commentVerificationText":"","captchaAlways":false,"captchaAfterDays":7,"itemLayoutId":null,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","listingLayoutId":null,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","itemTemplateIsShared":false,"usesDefaultTemplate":false,"defaultGroupStyleId":"","showSummaryInListing":false,"showSummaryInRss":true,"showSocialLinkTwitter":true,"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"defaultNotificationReplyTo":"","defaultNotificationFromName":"","subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionListsByType":{"daily":12,"weekly":13,"instant":11,"monthly":10},"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionEmailType":null,"emailApiSubscriptionId":283237,"instantNotificationEmailId":"952268061","dailyNotificationEmailId":"952268096","weeklyNotificationEmailId":"952268106","monthlyNotificationEmailId":"952267981","enableSocialAutoPublishing":false,"enableGoogleAmpOutput":true,"header":null,"label":"The Front Row View (entertainment insurance blog)","title":null,"cdnPurgeEmbargoTime":null,"audienceAccess":"PUBLIC"},"themePath":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","tagIds":[949708924],"topicIds":[949708924],"topicList":[{"id":949708924,"portalId":61352,"name":"Film Producer's E&O Insurance","slug":"film-producers-eo-insurance","description":"","created":1401901730000,"updated":1649856909544,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Film Producer's E&O Insurance","cdnPurgeEmbargoTime":null}],"tagNames":["Film Producer's E&O Insurance"],"topicNames":["Film Producer's E&O Insurance"],"areCommentsAllowed":true,"isCaptchaRequired":true,"syncedWithBlogRoot":true,"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"compositionId":452587,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1547081984000},"postTemplate":"prox_frontrow/templates/blog/blog-post.html","listTemplate":"prox_frontrow/templates/blog/blog-listing.html","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-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><h1>&nbsp;</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/shutterstock_329804927.jpg\" alt=\"E&amp;O insurance\" width=\"250\" style=\"width: 250px; margin: 0px 0px 10px 10px; float: right;\"></p>\n<p>As a filmmaker your top priority is likely bringing your next production to life and maintaining creative inspiration, but you also know how important the business side of film production is.</p>\n<p>This includes understanding the legal and insurance requirements needed to protect your next film. Insurance is a critical part of the film business, especially E&amp;O (Errors and Omissions). If you understand what E&amp;O is and how it can actually <em>serve</em> your production needs, you’ll set your next film up for even greater success.</p>\n<p><em>Here’s how:</em></p>\n<h2>GETTING TO KNOW E&amp;O</h2>\n<p>Producers Errors and Omissions Insurance covers all of the potential legal liabilities and defense costs against lawsuits alleging unauthorized use of titles, formats, ideas, characters, plots, plagiarism, unfair competition or privacy, and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract</a>. It also protects against alleged libel, slander, defamation of character or invasion of privacy. Errors &amp; Omissions is a requirement for distribution deals with studios, television, cable networks, DVD and Internet sites prior to the release of any film production. In fact, if you haven’t released a film yet, you’ll discover that production financing will probably not flow until your E&amp;O coverage is in force.</p>\n<h2>HOW IT WORKS</h2>\n<p>Consider the risks: You’ve released a film that is a HUGE success, and someone accuses you of stealing their idea, or script. No surprise, this happens a lot. For example, after <a href=\"/articles/avatar-producer-recieves-credit-where-credit-is-earned-thanks-to-eo-insurance\" rel=\" noopener\" style=\"font-style: italic;\">Avatar</a> was released in 2009, a man spoke out and claimed that he had actually pitched this multi-award winning movie to James Cameron a few years earlier. An E&amp;O policy would provide a lawyer in this instance and would pay the legal fees and judgement costs if the filmmaker lost.</p>\n<p>Planning an online production? YouTube is a hot bed for E&amp;O disputes. A while back, a music video director posted a parody of a well known movie that went viral, garnering over 1 million views, but unfortunately he didn’t have E&amp;O and the video was taken down as he could not afford the legal costs. A big loss for him and one he could have avoided if he had obtained E&amp;O coverage.</p>\n<h2>WHAT E&amp;O COSTS</h2>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">Premiums for E&amp;O</a> vary based on the content of the production. Ideally, speak to an E&amp;O insurance expert who can advise on the risks related to your particular film. We’d love <a href=\"/sectors/e-o-insurance?hsCtaTracking=3a655ef0-ad77-42e1-82c5-b16da815187d%7C3a89e279-1a99-451a-aa14-350f0ccdbc4e\" rel=\" noopener\">to help with that.</a></p>\n<h2>YOUR NEXT STEPS</h2>\n<ol>\n<li>The first thing an insurance provider will ask you is: Do you have <a href=\"https://www.frontrowinsurance.com/Articles/bid/66030/Film-and-TV-Producers-Errors-and-Omissions-Insurance-Cost\">“Title and script Clearance”? </a>This is a way to discover if you’ve done your legal due diligence to make sure you aren’t engaging in copyright infringement and that you have the right to use the story and title. As you set out to obtain E&amp;O, as a filmmaker you must begin clearance work prior to principal photography, continue during filming and complete it at final cut. <span style=\"font-weight: bold;\">Note</span>: It can take some time for a project to be cleared and coverage to be in place so you’ll want to start the E&amp;O process early to ensure that your cash flow is not impacted.</li>\n<li>Once obtained, be sure to check your production/distribution/financing agreements regarding the start date for your coverage, as some financiers require Errors &amp; Omissions coverage to be in place for the first day of production before they will provide the first cheque that allows you to start production.</li>\n<li>Your E&amp;O policy will provide defense costs if the producer is sued and will pay the judgment costs if the producer is found liable. Until a lawsuit happens, enjoy peace of mind knowing you’ve got the right coverage in place.<br><br></li>\n</ol>\n<p><strong>About the contributor: </strong><em>David Hamilton is President + CEO of Front Row, one of the world’s largest entertainment insurance brokers. Front Row offers <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">E&amp;O insurance for filmmakers</a>.&nbsp;</em></p>\n<p>&nbsp;</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><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">The value of a lawyer</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></span>","postSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"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-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><h1>&nbsp;</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/shutterstock_329804927.jpg\" alt=\"E&amp;O insurance\" width=\"250\" style=\"width: 250px; margin: 0px 0px 10px 10px; float: right;\"></p>\n<p>As a filmmaker your top priority is likely bringing your next production to life and maintaining creative inspiration, but you also know how important the business side of film production is.</p>\n<p>This includes understanding the legal and insurance requirements needed to protect your next film. Insurance is a critical part of the film business, especially E&amp;O (Errors and Omissions). If you understand what E&amp;O is and how it can actually <em>serve</em> your production needs, you’ll set your next film up for even greater success.</p>\n<p><em>Here’s how:</em></p>\n<h2>GETTING TO KNOW E&amp;O</h2>\n<p>Producers Errors and Omissions Insurance covers all of the potential legal liabilities and defense costs against lawsuits alleging unauthorized use of titles, formats, ideas, characters, plots, plagiarism, unfair competition or privacy, and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract</a>. It also protects against alleged libel, slander, defamation of character or invasion of privacy. Errors &amp; Omissions is a requirement for distribution deals with studios, television, cable networks, DVD and Internet sites prior to the release of any film production. In fact, if you haven’t released a film yet, you’ll discover that production financing will probably not flow until your E&amp;O coverage is in force.</p>\n<h2>HOW IT WORKS</h2>\n<p>Consider the risks: You’ve released a film that is a HUGE success, and someone accuses you of stealing their idea, or script. No surprise, this happens a lot. For example, after <a href=\"/articles/avatar-producer-recieves-credit-where-credit-is-earned-thanks-to-eo-insurance\" rel=\" noopener\" style=\"font-style: italic;\">Avatar</a> was released in 2009, a man spoke out and claimed that he had actually pitched this multi-award winning movie to James Cameron a few years earlier. An E&amp;O policy would provide a lawyer in this instance and would pay the legal fees and judgement costs if the filmmaker lost.</p>\n<p>Planning an online production? YouTube is a hot bed for E&amp;O disputes. A while back, a music video director posted a parody of a well known movie that went viral, garnering over 1 million views, but unfortunately he didn’t have E&amp;O and the video was taken down as he could not afford the legal costs. A big loss for him and one he could have avoided if he had obtained E&amp;O coverage.</p>\n<h2>WHAT E&amp;O COSTS</h2>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">Premiums for E&amp;O</a> vary based on the content of the production. Ideally, speak to an E&amp;O insurance expert who can advise on the risks related to your particular film. We’d love <a href=\"/sectors/e-o-insurance?hsCtaTracking=3a655ef0-ad77-42e1-82c5-b16da815187d%7C3a89e279-1a99-451a-aa14-350f0ccdbc4e\" rel=\" noopener\">to help with that.</a></p>\n<h2>YOUR NEXT STEPS</h2>\n<ol>\n<li>The first thing an insurance provider will ask you is: Do you have <a href=\"https://www.frontrowinsurance.com/Articles/bid/66030/Film-and-TV-Producers-Errors-and-Omissions-Insurance-Cost\">“Title and script Clearance”? </a>This is a way to discover if you’ve done your legal due diligence to make sure you aren’t engaging in copyright infringement and that you have the right to use the story and title. As you set out to obtain E&amp;O, as a filmmaker you must begin clearance work prior to principal photography, continue during filming and complete it at final cut. <span style=\"font-weight: bold;\">Note</span>: It can take some time for a project to be cleared and coverage to be in place so you’ll want to start the E&amp;O process early to ensure that your cash flow is not impacted.</li>\n<li>Once obtained, be sure to check your production/distribution/financing agreements regarding the start date for your coverage, as some financiers require Errors &amp; Omissions coverage to be in place for the first day of production before they will provide the first cheque that allows you to start production.</li>\n<li>Your E&amp;O policy will provide defense costs if the producer is sued and will pay the judgment costs if the producer is found liable. Until a lawsuit happens, enjoy peace of mind knowing you’ve got the right coverage in place.<br><br></li>\n</ol>\n<p><strong>About the contributor: </strong><em>David Hamilton is President + CEO of Front Row, one of the world’s largest entertainment insurance brokers. Front Row offers <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">E&amp;O insurance for filmmakers</a>.&nbsp;</em></p>\n<p>&nbsp;</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><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">The value of a lawyer</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></span>","postEmailContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postSummaryRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postBodyRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><h1>&nbsp;</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/shutterstock_329804927.jpg\" alt=\"E&amp;O insurance\" width=\"250\" style=\"width: 250px; margin: 0px 0px 10px 10px; float: right;\"></p>\n<p>As a filmmaker your top priority is likely bringing your next production to life and maintaining creative inspiration, but you also know how important the business side of film production is.</p>\n<p>This includes understanding the legal and insurance requirements needed to protect your next film. Insurance is a critical part of the film business, especially E&amp;O (Errors and Omissions). If you understand what E&amp;O is and how it can actually <em>serve</em> your production needs, you’ll set your next film up for even greater success.</p>\n<p><em>Here’s how:</em></p>\n<h2>GETTING TO KNOW E&amp;O</h2>\n<p>Producers Errors and Omissions Insurance covers all of the potential legal liabilities and defense costs against lawsuits alleging unauthorized use of titles, formats, ideas, characters, plots, plagiarism, unfair competition or privacy, and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract</a>. It also protects against alleged libel, slander, defamation of character or invasion of privacy. Errors &amp; Omissions is a requirement for distribution deals with studios, television, cable networks, DVD and Internet sites prior to the release of any film production. In fact, if you haven’t released a film yet, you’ll discover that production financing will probably not flow until your E&amp;O coverage is in force.</p>\n<h2>HOW IT WORKS</h2>\n<p>Consider the risks: You’ve released a film that is a HUGE success, and someone accuses you of stealing their idea, or script. No surprise, this happens a lot. For example, after <a href=\"/articles/avatar-producer-recieves-credit-where-credit-is-earned-thanks-to-eo-insurance\" rel=\" noopener\" style=\"font-style: italic;\">Avatar</a> was released in 2009, a man spoke out and claimed that he had actually pitched this multi-award winning movie to James Cameron a few years earlier. An E&amp;O policy would provide a lawyer in this instance and would pay the legal fees and judgement costs if the filmmaker lost.</p>\n<p>Planning an online production? YouTube is a hot bed for E&amp;O disputes. A while back, a music video director posted a parody of a well known movie that went viral, garnering over 1 million views, but unfortunately he didn’t have E&amp;O and the video was taken down as he could not afford the legal costs. A big loss for him and one he could have avoided if he had obtained E&amp;O coverage.</p>\n<h2>WHAT E&amp;O COSTS</h2>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">Premiums for E&amp;O</a> vary based on the content of the production. Ideally, speak to an E&amp;O insurance expert who can advise on the risks related to your particular film. We’d love <a href=\"/sectors/e-o-insurance?hsCtaTracking=3a655ef0-ad77-42e1-82c5-b16da815187d%7C3a89e279-1a99-451a-aa14-350f0ccdbc4e\" rel=\" noopener\">to help with that.</a></p>\n<h2>YOUR NEXT STEPS</h2>\n<ol>\n<li>The first thing an insurance provider will ask you is: Do you have <a href=\"https://www.frontrowinsurance.com/Articles/bid/66030/Film-and-TV-Producers-Errors-and-Omissions-Insurance-Cost\">“Title and script Clearance”? </a>This is a way to discover if you’ve done your legal due diligence to make sure you aren’t engaging in copyright infringement and that you have the right to use the story and title. As you set out to obtain E&amp;O, as a filmmaker you must begin clearance work prior to principal photography, continue during filming and complete it at final cut. <span style=\"font-weight: bold;\">Note</span>: It can take some time for a project to be cleared and coverage to be in place so you’ll want to start the E&amp;O process early to ensure that your cash flow is not impacted.</li>\n<li>Once obtained, be sure to check your production/distribution/financing agreements regarding the start date for your coverage, as some financiers require Errors &amp; Omissions coverage to be in place for the first day of production before they will provide the first cheque that allows you to start production.</li>\n<li>Your E&amp;O policy will provide defense costs if the producer is sued and will pay the judgment costs if the producer is found liable. Until a lawsuit happens, enjoy peace of mind knowing you’ve got the right coverage in place.<br><br></li>\n</ol>\n<p><strong>About the contributor: </strong><em>David Hamilton is President + CEO of Front Row, one of the world’s largest entertainment insurance brokers. Front Row offers <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">E&amp;O insurance for filmmakers</a>.&nbsp;</em></p>\n<p>&nbsp;</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><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">The value of a lawyer</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>","postRssContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","rssSummaryFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/videostills/kailin-thumb-forweb2.jpg","rssBody":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><h1>&nbsp;</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/shutterstock_329804927.jpg\" alt=\"E&amp;O insurance\" width=\"250\" style=\"width: 250px; margin: 0px 0px 10px 10px; float: right;\"></p>\n<p>As a filmmaker your top priority is likely bringing your next production to life and maintaining creative inspiration, but you also know how important the business side of film production is.</p>\n<p>This includes understanding the legal and insurance requirements needed to protect your next film. Insurance is a critical part of the film business, especially E&amp;O (Errors and Omissions). If you understand what E&amp;O is and how it can actually <em>serve</em> your production needs, you’ll set your next film up for even greater success.</p>\n<p><em>Here’s how:</em></p>\n<h2>GETTING TO KNOW E&amp;O</h2>\n<p>Producers Errors and Omissions Insurance covers all of the potential legal liabilities and defense costs against lawsuits alleging unauthorized use of titles, formats, ideas, characters, plots, plagiarism, unfair competition or privacy, and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract</a>. It also protects against alleged libel, slander, defamation of character or invasion of privacy. Errors &amp; Omissions is a requirement for distribution deals with studios, television, cable networks, DVD and Internet sites prior to the release of any film production. In fact, if you haven’t released a film yet, you’ll discover that production financing will probably not flow until your E&amp;O coverage is in force.</p>\n<h2>HOW IT WORKS</h2>\n<p>Consider the risks: You’ve released a film that is a HUGE success, and someone accuses you of stealing their idea, or script. No surprise, this happens a lot. For example, after <a href=\"/articles/avatar-producer-recieves-credit-where-credit-is-earned-thanks-to-eo-insurance\" rel=\" noopener\" style=\"font-style: italic;\">Avatar</a> was released in 2009, a man spoke out and claimed that he had actually pitched this multi-award winning movie to James Cameron a few years earlier. An E&amp;O policy would provide a lawyer in this instance and would pay the legal fees and judgement costs if the filmmaker lost.</p>\n<p>Planning an online production? YouTube is a hot bed for E&amp;O disputes. A while back, a music video director posted a parody of a well known movie that went viral, garnering over 1 million views, but unfortunately he didn’t have E&amp;O and the video was taken down as he could not afford the legal costs. A big loss for him and one he could have avoided if he had obtained E&amp;O coverage.</p>\n<h2>WHAT E&amp;O COSTS</h2>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">Premiums for E&amp;O</a> vary based on the content of the production. Ideally, speak to an E&amp;O insurance expert who can advise on the risks related to your particular film. We’d love <a href=\"/sectors/e-o-insurance?hsCtaTracking=3a655ef0-ad77-42e1-82c5-b16da815187d%7C3a89e279-1a99-451a-aa14-350f0ccdbc4e\" rel=\" noopener\">to help with that.</a></p>\n<h2>YOUR NEXT STEPS</h2>\n<ol>\n<li>The first thing an insurance provider will ask you is: Do you have <a href=\"https://www.frontrowinsurance.com/Articles/bid/66030/Film-and-TV-Producers-Errors-and-Omissions-Insurance-Cost\">“Title and script Clearance”? </a>This is a way to discover if you’ve done your legal due diligence to make sure you aren’t engaging in copyright infringement and that you have the right to use the story and title. As you set out to obtain E&amp;O, as a filmmaker you must begin clearance work prior to principal photography, continue during filming and complete it at final cut. <span style=\"font-weight: bold;\">Note</span>: It can take some time for a project to be cleared and coverage to be in place so you’ll want to start the E&amp;O process early to ensure that your cash flow is not impacted.</li>\n<li>Once obtained, be sure to check your production/distribution/financing agreements regarding the start date for your coverage, as some financiers require Errors &amp; Omissions coverage to be in place for the first day of production before they will provide the first cheque that allows you to start production.</li>\n<li>Your E&amp;O policy will provide defense costs if the producer is sued and will pay the judgment costs if the producer is found liable. Until a lawsuit happens, enjoy peace of mind knowing you’ve got the right coverage in place.<br><br></li>\n</ol>\n<p><strong>About the contributor: </strong><em>David Hamilton is President + CEO of Front Row, one of the world’s largest entertainment insurance brokers. Front Row offers <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">E&amp;O insurance for filmmakers</a>.&nbsp;</em></p>\n<p>&nbsp;</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><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">The value of a lawyer</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>","rssSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postFeaturedImageIfEnabled":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/videostills/kailin-thumb-forweb2.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/videostills/kailin-thumb-forweb2.jpg","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":952267721,"created":1401900296000,"updated":1401900296000,"deletedAt":0,"fullName":"David Hamilton","email":"david@frontrowinsurance.com","userId":null,"username":"david@frontrowinsurance.com","slug":"david-hamilton","language":null,"translatedFromId":null,"name":"David Hamilton","translations":{},"cosObjectType":"BLOG_AUTHOR","bio":"","website":"","twitter":"","facebook":"","linkedin":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/e5f627d6f4fb7738af400df9b2f0d390","twitterUsername":"","hasSocialProfiles":false,"displayName":"David Hamilton","label":"David Hamilton","cdnPurgeEmbargoTime":null},"useFeaturedImage":true,"audienceAccess":"PUBLIC","htmlTitle":"E&O: What Filmmakers Need to Know","password":null,"publishedAt":1649276387528,"pageTitle":"E&O: What Filmmakers Need to Know","headHtml":"<!-- START - Generated by ClassySchema.org on Tue, 20 Oct 2020 14:33:22 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"http://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"What is errors and omissions (e&o) insurance?\",\n\t\"description\": \"What is errors and omissions (e&o) insurance? 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height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","has_user_changes":true,"last_edit_session_id":null,"last_edit_update_id":null,"html_title":"E&O: What Filmmakers Need to Know","tag_ids":[949708924],"topic_ids":[949708924],"page_redirected":false,"personas":[],"placement_guids":[],"public_access_rules":[],"public_access_rules_enabled":false,"tweet_immediately":false,"unpublished_at":0,"use_featured_image":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-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><h1>&nbsp;</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/shutterstock_329804927.jpg\" alt=\"E&amp;O insurance\" width=\"250\" style=\"width: 250px; margin: 0px 0px 10px 10px; float: right;\"></p>\n<p>As a filmmaker your top priority is likely bringing your next production to life and maintaining creative inspiration, but you also know how important the business side of film production is.</p>\n<p>This includes understanding the legal and insurance requirements needed to protect your next film. Insurance is a critical part of the film business, especially E&amp;O (Errors and Omissions). If you understand what E&amp;O is and how it can actually <em>serve</em> your production needs, you’ll set your next film up for even greater success.</p>\n<p><em>Here’s how:</em></p>\n<h2>GETTING TO KNOW E&amp;O</h2>\n<p>Producers Errors and Omissions Insurance covers all of the potential legal liabilities and defense costs against lawsuits alleging unauthorized use of titles, formats, ideas, characters, plots, plagiarism, unfair competition or privacy, and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract</a>. It also protects against alleged libel, slander, defamation of character or invasion of privacy. Errors &amp; Omissions is a requirement for distribution deals with studios, television, cable networks, DVD and Internet sites prior to the release of any film production. In fact, if you haven’t released a film yet, you’ll discover that production financing will probably not flow until your E&amp;O coverage is in force.</p>\n<h2>HOW IT WORKS</h2>\n<p>Consider the risks: You’ve released a film that is a HUGE success, and someone accuses you of stealing their idea, or script. No surprise, this happens a lot. For example, after <a href=\"/articles/avatar-producer-recieves-credit-where-credit-is-earned-thanks-to-eo-insurance\" rel=\" noopener\" style=\"font-style: italic;\">Avatar</a> was released in 2009, a man spoke out and claimed that he had actually pitched this multi-award winning movie to James Cameron a few years earlier. An E&amp;O policy would provide a lawyer in this instance and would pay the legal fees and judgement costs if the filmmaker lost.</p>\n<p>Planning an online production? YouTube is a hot bed for E&amp;O disputes. A while back, a music video director posted a parody of a well known movie that went viral, garnering over 1 million views, but unfortunately he didn’t have E&amp;O and the video was taken down as he could not afford the legal costs. A big loss for him and one he could have avoided if he had obtained E&amp;O coverage.</p>\n<h2>WHAT E&amp;O COSTS</h2>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">Premiums for E&amp;O</a> vary based on the content of the production. Ideally, speak to an E&amp;O insurance expert who can advise on the risks related to your particular film. We’d love <a href=\"/sectors/e-o-insurance?hsCtaTracking=3a655ef0-ad77-42e1-82c5-b16da815187d%7C3a89e279-1a99-451a-aa14-350f0ccdbc4e\" rel=\" noopener\">to help with that.</a></p>\n<h2>YOUR NEXT STEPS</h2>\n<ol>\n<li>The first thing an insurance provider will ask you is: Do you have <a href=\"https://www.frontrowinsurance.com/Articles/bid/66030/Film-and-TV-Producers-Errors-and-Omissions-Insurance-Cost\">“Title and script Clearance”? </a>This is a way to discover if you’ve done your legal due diligence to make sure you aren’t engaging in copyright infringement and that you have the right to use the story and title. As you set out to obtain E&amp;O, as a filmmaker you must begin clearance work prior to principal photography, continue during filming and complete it at final cut. <span style=\"font-weight: bold;\">Note</span>: It can take some time for a project to be cleared and coverage to be in place so you’ll want to start the E&amp;O process early to ensure that your cash flow is not impacted.</li>\n<li>Once obtained, be sure to check your production/distribution/financing agreements regarding the start date for your coverage, as some financiers require Errors &amp; Omissions coverage to be in place for the first day of production before they will provide the first cheque that allows you to start production.</li>\n<li>Your E&amp;O policy will provide defense costs if the producer is sued and will pay the judgment costs if the producer is found liable. Until a lawsuit happens, enjoy peace of mind knowing you’ve got the right coverage in place.<br><br></li>\n</ol>\n<p><strong>About the contributor: </strong><em>David Hamilton is President + CEO of Front Row, one of the world’s largest entertainment insurance brokers. Front Row offers <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">E&amp;O insurance for filmmakers</a>.&nbsp;</em></p>\n<p>&nbsp;</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><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">The value of a lawyer</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></span>","campaign_name":null,"campaign_utm":null,"enable_google_amp_output_override":false,"featured_image":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/videostills/kailin-thumb-forweb2.jpg","featured_image_alt_text":"E&O: What Filmmakers Need to Know","link_rel_canonical_url":"","meta_description":"If you understand what Errors & Omissions (E&O) is and how it can serve your production needs, you’ll set your next film up for even greater success.","publish_immediately":true,"published_by_id":7915797,"published_at":1649276387528,"rss_body":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><h1>&nbsp;</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/shutterstock_329804927.jpg\" alt=\"E&amp;O insurance\" width=\"250\" style=\"width: 250px; margin: 0px 0px 10px 10px; float: right;\"></p>\n<p>As a filmmaker your top priority is likely bringing your next production to life and maintaining creative inspiration, but you also know how important the business side of film production is.</p>\n<p>This includes understanding the legal and insurance requirements needed to protect your next film. Insurance is a critical part of the film business, especially E&amp;O (Errors and Omissions). If you understand what E&amp;O is and how it can actually <em>serve</em> your production needs, you’ll set your next film up for even greater success.</p>\n<p><em>Here’s how:</em></p>\n<h2>GETTING TO KNOW E&amp;O</h2>\n<p>Producers Errors and Omissions Insurance covers all of the potential legal liabilities and defense costs against lawsuits alleging unauthorized use of titles, formats, ideas, characters, plots, plagiarism, unfair competition or privacy, and <a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\" noopener\">breach of contract</a>. It also protects against alleged libel, slander, defamation of character or invasion of privacy. Errors &amp; Omissions is a requirement for distribution deals with studios, television, cable networks, DVD and Internet sites prior to the release of any film production. In fact, if you haven’t released a film yet, you’ll discover that production financing will probably not flow until your E&amp;O coverage is in force.</p>\n<h2>HOW IT WORKS</h2>\n<p>Consider the risks: You’ve released a film that is a HUGE success, and someone accuses you of stealing their idea, or script. No surprise, this happens a lot. For example, after <a href=\"/articles/avatar-producer-recieves-credit-where-credit-is-earned-thanks-to-eo-insurance\" rel=\" noopener\" style=\"font-style: italic;\">Avatar</a> was released in 2009, a man spoke out and claimed that he had actually pitched this multi-award winning movie to James Cameron a few years earlier. An E&amp;O policy would provide a lawyer in this instance and would pay the legal fees and judgement costs if the filmmaker lost.</p>\n<p>Planning an online production? YouTube is a hot bed for E&amp;O disputes. A while back, a music video director posted a parody of a well known movie that went viral, garnering over 1 million views, but unfortunately he didn’t have E&amp;O and the video was taken down as he could not afford the legal costs. A big loss for him and one he could have avoided if he had obtained E&amp;O coverage.</p>\n<h2>WHAT E&amp;O COSTS</h2>\n<p><a href=\"/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">Premiums for E&amp;O</a> vary based on the content of the production. Ideally, speak to an E&amp;O insurance expert who can advise on the risks related to your particular film. We’d love <a href=\"/sectors/e-o-insurance?hsCtaTracking=3a655ef0-ad77-42e1-82c5-b16da815187d%7C3a89e279-1a99-451a-aa14-350f0ccdbc4e\" rel=\" noopener\">to help with that.</a></p>\n<h2>YOUR NEXT STEPS</h2>\n<ol>\n<li>The first thing an insurance provider will ask you is: Do you have <a href=\"https://www.frontrowinsurance.com/Articles/bid/66030/Film-and-TV-Producers-Errors-and-Omissions-Insurance-Cost\">“Title and script Clearance”? </a>This is a way to discover if you’ve done your legal due diligence to make sure you aren’t engaging in copyright infringement and that you have the right to use the story and title. As you set out to obtain E&amp;O, as a filmmaker you must begin clearance work prior to principal photography, continue during filming and complete it at final cut. <span style=\"font-weight: bold;\">Note</span>: It can take some time for a project to be cleared and coverage to be in place so you’ll want to start the E&amp;O process early to ensure that your cash flow is not impacted.</li>\n<li>Once obtained, be sure to check your production/distribution/financing agreements regarding the start date for your coverage, as some financiers require Errors &amp; Omissions coverage to be in place for the first day of production before they will provide the first cheque that allows you to start production.</li>\n<li>Your E&amp;O policy will provide defense costs if the producer is sued and will pay the judgment costs if the producer is found liable. Until a lawsuit happens, enjoy peace of mind knowing you’ve got the right coverage in place.<br><br></li>\n</ol>\n<p><strong>About the contributor: </strong><em>David Hamilton is President + CEO of Front Row, one of the world’s largest entertainment insurance brokers. Front Row offers <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">E&amp;O insurance for filmmakers</a>.&nbsp;</em></p>\n<p>&nbsp;</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><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">The value of a lawyer</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>","rss_summary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\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/eExMKrlJB00?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","blog_publish_instant_email_task_uid":"DONE","blog_publish_to_social_media_task":"DONE","head_html":"<!-- START - Generated by ClassySchema.org on Tue, 20 Oct 2020 14:33:22 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"http://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"What is errors and omissions (e&o) insurance?\",\n\t\"description\": \"What is errors and omissions (e&o) insurance? 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E&O: What Filmmakers Need to Know

E&O: What Filmmakers Need to Know

 

E&O insurance

As a filmmaker your top priority is likely bringing your next production to life and maintaining creative inspiration, but you also know how important the business side of film production is.

This includes understanding the legal and insurance requirements needed to protect your next film. Insurance is a critical part of the film business, especially E&O (Errors and Omissions). If you understand what E&O is and how it can actually serve your production needs, you’ll set your next film up for even greater success.

Here’s how:

GETTING TO KNOW E&O

Producers Errors and Omissions Insurance covers all of the potential legal liabilities and defense costs against lawsuits alleging unauthorized use of titles, formats, ideas, characters, plots, plagiarism, unfair competition or privacy, and breach of contract. It also protects against alleged libel, slander, defamation of character or invasion of privacy. Errors & Omissions is a requirement for distribution deals with studios, television, cable networks, DVD and Internet sites prior to the release of any film production. In fact, if you haven’t released a film yet, you’ll discover that production financing will probably not flow until your E&O coverage is in force.

HOW IT WORKS

Consider the risks: You’ve released a film that is a HUGE success, and someone accuses you of stealing their idea, or script. No surprise, this happens a lot. For example, after Avatar was released in 2009, a man spoke out and claimed that he had actually pitched this multi-award winning movie to James Cameron a few years earlier. An E&O policy would provide a lawyer in this instance and would pay the legal fees and judgement costs if the filmmaker lost.

Planning an online production? YouTube is a hot bed for E&O disputes. A while back, a music video director posted a parody of a well known movie that went viral, garnering over 1 million views, but unfortunately he didn’t have E&O and the video was taken down as he could not afford the legal costs. A big loss for him and one he could have avoided if he had obtained E&O coverage.

WHAT E&O COSTS

Premiums for E&O vary based on the content of the production. Ideally, speak to an E&O insurance expert who can advise on the risks related to your particular film. We’d love to help with that.

YOUR NEXT STEPS

  1. The first thing an insurance provider will ask you is: Do you have “Title and script Clearance”? This is a way to discover if you’ve done your legal due diligence to make sure you aren’t engaging in copyright infringement and that you have the right to use the story and title. As you set out to obtain E&O, as a filmmaker you must begin clearance work prior to principal photography, continue during filming and complete it at final cut. Note: It can take some time for a project to be cleared and coverage to be in place so you’ll want to start the E&O process early to ensure that your cash flow is not impacted.
  2. Once obtained, be sure to check your production/distribution/financing agreements regarding the start date for your coverage, as some financiers require Errors & Omissions coverage to be in place for the first day of production before they will provide the first cheque that allows you to start production.
  3. Your E&O policy will provide defense costs if the producer is sued and will pay the judgment costs if the producer is found liable. Until a lawsuit happens, enjoy peace of mind knowing you’ve got the right coverage in place.

About the contributor: David Hamilton is President + CEO of Front Row, one of the world’s largest entertainment insurance brokers. Front Row offers E&O insurance for filmmakers

 

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

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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