{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/producers-eo-what-is-my-distributor-and-financer-asking-for","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"4999215622","analyticsPageType":"blog-post","approvalStatus":null,"archived":false,"archivedAt":0,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1486410503240,"deletedAt":0,"displayName":"Kent Hamilton","email":"Kent@frontrowinsurance.com","facebook":"","fullName":"Kent Hamilton","gravatarUrl":"https://app.hubspot.com/settings/avatar/4fd0e7791ccebc65a5808cd11266fb76","hasSocialProfiles":false,"id":4755104413,"label":"Kent Hamilton","language":null,"linkedin":"","name":"Kent Hamilton","portalId":61352,"slug":"kent-hamilton","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1486410649830,"userId":null,"username":null,"website":""},"blogAuthorId":4755104413,"blogPostAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1486410503240,"deletedAt":0,"displayName":"Kent Hamilton","email":"Kent@frontrowinsurance.com","facebook":"","fullName":"Kent Hamilton","gravatarUrl":"https://app.hubspot.com/settings/avatar/4fd0e7791ccebc65a5808cd11266fb76","hasSocialProfiles":false,"id":4755104413,"label":"Kent Hamilton","language":null,"linkedin":"","name":"Kent Hamilton","portalId":61352,"slug":"kent-hamilton","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1486410649830,"userId":null,"username":null,"website":""},"blogPostScheduleTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"blogPublishInstantEmailTaskUid":"DONE","blogPublishToSocialMediaTask":"DONE_NOT_SENT","blueprintTypeId":0,"businessUnitId":0,"campaign":null,"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":1491602603000,"createdById":null,"createdTime":1491602603000,"crmObjectId":null,"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/doc-forwebsocial.jpg","featuredImageAltText":"Producers E&O: What is My Distributor and Financier Asking For?","featuredImageHeight":175,"featuredImageLength":0,"featuredImageWidth":300,"flexAreas":{},"folderId":null,"footerHtml":null,"freezeDate":1491603151000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":null,"header":null,"htmlTitle":"Producers E&O: What is My Distributor and Financier Asking For?","id":4999215622,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isDraft":false,"isInstantEmailEnabled":true,"isPublished":true,"isSocialPublishingEnabled":false,"keywords":[{"keyword":"e&o insurance","keyword_guid":"fa34c7fd-3331-4de9-9297-ec8002f1ee7d"},{"keyword":"ida insurance","keyword_guid":"22b8bac0-ecde-4e26-b4f3-5659e3a016bb"},{"keyword":"international documentary association insurance","keyword_guid":"d2629474-bc73-48e9-b9be-4de33a82dc73"},{"keyword":"errors and omissions documentary film","keyword_guid":"3e811206-bd38-4277-8c90-99c639c21116"},{"keyword":"producers e&o insurance","keyword_guid":"3b892b93-388e-4fde-93f4-11a306f2af40"}],"label":"<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\" >Producers E&O: What is My Distributor and Financier Asking For?</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":null,"legacyId":null,"legacyPostGuid":null,"linkRelCanonicalUrl":"","listTemplate":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","mab":false,"mabExperimentId":null,"mabMaster":false,"mabVariant":false,"meta":{"has_user_changes":true,"author_username":"evan@frontrowinsurance.com","blog_publish_instant_email_task_uid":"DONE","use_featured_image":true,"topic_ids":[949708924,949709454],"last_edit_update_id":null,"author_user_id":4372993,"rss_summary":"<h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n","last_edit_session_id":null,"keywords":[{"keyword":"e&o insurance","keyword_guid":"fa34c7fd-3331-4de9-9297-ec8002f1ee7d"},{"keyword":"ida insurance","keyword_guid":"22b8bac0-ecde-4e26-b4f3-5659e3a016bb"},{"keyword":"international documentary association insurance","keyword_guid":"d2629474-bc73-48e9-b9be-4de33a82dc73"},{"keyword":"errors and omissions documentary film","keyword_guid":"3e811206-bd38-4277-8c90-99c639c21116"},{"keyword":"producers e&o insurance","keyword_guid":"3b892b93-388e-4fde-93f4-11a306f2af40"}],"campaign_name":null,"featured_image":"https://cdn2.hubspot.net/hubfs/61352/images/eando/doc-forwebsocial.jpg","post_summary":"<h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n","meta_description":"Understanding what a distributor or financier is requesting of you. You sold your documentary! You met your distributor requirement of obtaining a three...","html_title":"Producers E&O: What is My Distributor and Financier Asking For?","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\" ><h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n<!--more-->\n<p>However, you read the fine print in the contract and you’re surprised to see several requirements:</p>\n<ul>\n<li>First, the distributor wants you to extend your policy to cover them by naming them <a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">Additional Insured</a> in case of a claim. No problem: you just send a request and provide us with your distributors name and address. This will generate a <a href=\"/articles/topic/certificates\" rel=\" noopener\">certificate of Insurance</a> (COI). The certificate will detail: your company name and address, what insurance company is covering you, how much insurance the project has (i.e. $1,000,000/$3,000,000), and what the retention (deductible) is, <span style=\"font-style: italic;\">e.g.,</span> $10,000 or $25,000).</li>\n<li>&nbsp;Second, the distributor wants to be covered for 5 years! You just paid a lot of money for a three year policy. Will this cost you more premium? The answer is maybe. There is a special endorsement called a “Rights Period Endorsement (RPE) ” or “Term of Contract Endorsement (TOC)”. This endorsement will extend the length of your E&amp;O term to match the length of your distributors agreement as long as you notify the insurance carrier prior to the expiration of your policy. Just send us your distribution contract and in the majority of cases, the insurance carrier will provide you with this money-saving endorsement.</li>\n</ul>\n<p>Now you can breathe easier knowing that your E&amp;O policy is in place &nbsp;to protect your company, financiers and <a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">distributors</a>.</p>\n<h2><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\">Producer's E&amp;O</a> will cover legal &amp; judgement costs if you are found responsible for any of:</h2>\n<ol style=\"list-style-type: lower-alpha;\">\n<li>Invasion or infringement of privacy</li>\n<li><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">Infringement of copyright</a> or trademark</li>\n<li>Libel, slander or other forms of <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation</a></li>\n<li><a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">Plagiarism</a>, piracy or unfair competition resulting from the alleged use of titles, formats, ideas, characters, plots, performances of artists or performers or other material</li>\n<li><a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\"noopener\">Breach of contract</a>, implied or in fact or in law, resulting from the alleged submission, acquisition or use of program, musical or literary material used by the insured in the insured production</li>\n</ol>\n<p>Please note that this is an illustration only: for a detailed outline of E&amp;O coverage, <a href=\"/contact-us\" rel=\"noopener\">contact us</a> and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.</p>\n<p style=\"font-size: 14px;\"><span><strong><em>DISCLAIMER</em></strong><em>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</em></span></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>Documentary E&amp;O Insurance</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>","publish_immediately":true,"author_email":"evan@frontrowinsurance.com","featured_image_alt_text":"Producers E&O: What is My Distributor and Financier Asking For?","rss_body":"<h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n<!--more-->\n<p>However, you read the fine print in the contract and you’re surprised to see several requirements:</p>\n<ul>\n<li>First, the distributor wants you to extend your policy to cover them by naming them <a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">Additional Insured</a> in case of a claim. No problem: you just send a request and provide us with your distributors name and address. This will generate a <a href=\"/articles/topic/certificates\" rel=\" noopener\">certificate of Insurance</a> (COI). The certificate will detail: your company name and address, what insurance company is covering you, how much insurance the project has (i.e. $1,000,000/$3,000,000), and what the retention (deductible) is, <span style=\"font-style: italic;\">e.g.,</span> $10,000 or $25,000).</li>\n<li>&nbsp;Second, the distributor wants to be covered for 5 years! You just paid a lot of money for a three year policy. Will this cost you more premium? The answer is maybe. There is a special endorsement called a “Rights Period Endorsement (RPE) ” or “Term of Contract Endorsement (TOC)”. This endorsement will extend the length of your E&amp;O term to match the length of your distributors agreement as long as you notify the insurance carrier prior to the expiration of your policy. Just send us your distribution contract and in the majority of cases, the insurance carrier will provide you with this money-saving endorsement.</li>\n</ul>\n<p>Now you can breathe easier knowing that your E&amp;O policy is in place &nbsp;to protect your company, financiers and <a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">distributors</a>.</p>\n<h2><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\">Producer's E&amp;O</a> will cover legal &amp; judgement costs if you are found responsible for any of:</h2>\n<ol style=\"list-style-type: lower-alpha;\">\n<li>Invasion or infringement of privacy</li>\n<li><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">Infringement of copyright</a> or trademark</li>\n<li>Libel, slander or other forms of <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation</a></li>\n<li><a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">Plagiarism</a>, piracy or unfair competition resulting from the alleged use of titles, formats, ideas, characters, plots, performances of artists or performers or other material</li>\n<li><a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\"noopener\">Breach of contract</a>, implied or in fact or in law, resulting from the alleged submission, acquisition or use of program, musical or literary material used by the insured in the insured production</li>\n</ol>\n<p>Please note that this is an illustration only: for a detailed outline of E&amp;O coverage, <a href=\"/contact-us\" rel=\"noopener\">contact us</a> and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.</p>\n<p style=\"font-size: 14px;\"><span><strong><em>DISCLAIMER</em></strong><em>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</em></span></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>Documentary E&amp;O Insurance</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>","placement_guids":[],"enable_google_amp_output_override":false,"campaign_utm":null,"tag_ids":[949708924,949709454],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1661882694708,"blog_publish_to_social_media_task":"DONE_NOT_SENT","head_html":null,"layout_sections":{},"scheduled_update_date":0,"blog_post_schedule_task_uid":null,"featured_image_width":300,"featured_image_height":175,"header":null},"metaDescription":"Understanding what a distributor or financier is requesting of you. You sold your documentary! You met your distributor requirement of obtaining a three...","metaKeywords":null,"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\" >Producers E&O: What is My Distributor and Financier Asking For?</span>","nextPostFeaturedImage":"","nextPostFeaturedImageAltText":"","nextPostName":"Short-Term Theatre insurance now available Online through Front Row","nextPostSlug":"articles/short-term-theatre-insurance-now-available-online","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Producers E&O: What is My Distributor and Financier Asking For?","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 logo","ampLogoHeight":63,"ampLogoSrc":"https://cdn2.hubspot.net/hubfs/61352/front-row-logo.png","ampLogoWidth":175,"analyticsPageId":137640,"attachedStylesheets":[],"audienceAccess":"PUBLIC","businessUnitId":null,"captchaAfterDays":7,"captchaAlways":false,"categoryId":3,"cdnPurgeEmbargoTime":null,"closeCommentsOlder":0,"commentDateFormat":"medium","commentFormGuid":"7a447743-bbf2-4b55-a759-b405bf392a7d","commentMaxThreadDepth":3,"commentModeration":true,"commentNotificationEmails":["mike@frontrowinsurance.com","grant@frontrowinsurance.com"],"commentShouldCreateContact":true,"commentVerificationText":"","cosObjectType":"BLOG","created":1401900293000,"createdDateTime":1401900293000,"dailyNotificationEmailId":"952268096","dateFormattingLanguage":"en_US","defaultGroupStyleId":"","defaultNotificationFromName":"","defaultNotificationReplyTo":"","deletedAt":0,"description":"The Front Row Insurance Blog where you can learn and converse about all things entertainment insurance related.","domain":"","domainWhenPublished":"www.frontrowinsurance.com","emailApiSubscriptionId":283237,"enableGoogleAmpOutput":true,"enableSocialAutoPublishing":false,"generateJsonLdEnabled":false,"header":null,"htmlFooter":"<!-- DELTA-->","htmlFooterIsShared":false,"htmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/producers-eo-what-is-my-distributor-and-financer-asking-for\"\n },\n \"headline\": \"Producers E&O: What is My Distributor and Financier Asking For?\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/eando/doc-forwebsocial.jpg\"\n },\n \"datePublished\": \"2017-04-07 22:12:31\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Understanding what a distributor or financier is requesting of you. You sold your documentary! You met your distributor requirement of obtaining a three...\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","htmlHeadIsShared":true,"htmlKeywords":["Front Row Insurance Blog"," entertainment blog"," film blog"," film insurance"," event insurance"," film festival blog"," production blog"," musicians blog"," "],"htmlTitle":"The Front Row View (entertainment insurance blog)","id":952267656,"instantNotificationEmailId":"952268061","itemLayoutId":null,"itemTemplateIsShared":false,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","label":"The Front Row View (entertainment insurance blog)","language":"en","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","legacyModuleId":"164112","legacyTabId":137640,"listingLayoutId":null,"listingPageId":70026589976,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","monthFilterFormat":"MMMM yyyy","monthlyNotificationEmailId":"952267981","name":"The Front Row View (entertainment insurance blog)","parentBlogUpdateTaskId":null,"portalId":61352,"postHtmlFooter":"<!-- OMEGA-->","postHtmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/producers-eo-what-is-my-distributor-and-financer-asking-for\"\n },\n \"headline\": \"Producers E&O: What is My Distributor and Financier Asking For?\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/eando/doc-forwebsocial.jpg\"\n },\n \"datePublished\": \"2017-04-07 22:12:31\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Understanding what a distributor or financier is requesting of you. 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You met your distributor requirement of obtaining a three...\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","postsPerListingPage":10,"postsPerRssFeed":10,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publicTitle":"The Front Row View (entertainment insurance blog)","publishDateFormat":"medium","resolvedDomain":"www.frontrowinsurance.com","rootUrl":"https://www.frontrowinsurance.com/articles","rssCustomFeed":"","rssDescription":"RSS feeds for ","rssItemFooter":"<IMG style=\"WIDTH: 144px; HEIGHT: 78px\" title=\"\" border=0 alt=\"\" align=center src=\"http://focusinsurance.web6.hubspot.com/Portals/61352/images//logo_final.jpg\" width=138 height=78 mce_src=\"/Portals/61352/images//logo_final.jpg\">","rssItemHeader":"","settingsOverrides":{"itemLayoutId":false,"itemTemplatePath":false,"itemTemplateIsShared":false,"listingLayoutId":false,"listingTemplatePath":false,"postsPerListingPage":false,"showSummaryInListing":false,"useFeaturedImageInSummary":false,"htmlHead":false,"postHtmlHead":false,"htmlHeadIsShared":false,"htmlFooter":false,"listingPageHtmlFooter":false,"postHtmlFooter":false,"htmlFooterIsShared":false,"attachedStylesheets":false,"postsPerRssFeed":false,"showSummaryInRss":false,"showSummaryInEmails":false,"showSummariesInEmails":false,"allowComments":false,"commentShouldCreateContact":false,"commentModeration":false,"closeCommentsOlder":false,"commentNotificationEmails":false,"commentMaxThreadDepth":false,"commentVerificationText":false,"socialAccountTwitter":false,"showSocialLinkTwitter":false,"showSocialLinkLinkedin":false,"showSocialLinkFacebook":false,"enableGoogleAmpOutput":false,"ampLogoSrc":false,"ampLogoHeight":false,"ampLogoWidth":false,"ampLogoAlt":false,"ampHeaderFont":false,"ampHeaderFontSize":false,"ampHeaderColor":false,"ampHeaderBackgroundColor":false,"ampBodyFont":false,"ampBodyFontSize":false,"ampBodyColor":false,"ampLinkColor":false,"generateJsonLdEnabled":false},"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"showSocialLinkTwitter":true,"showSummaryInEmails":true,"showSummaryInListing":false,"showSummaryInRss":true,"siteId":0,"slug":"articles","socialAccountTwitter":"","state":null,"subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionEmailType":null,"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionListsByType":{"daily":12,"instant":11,"monthly":10,"weekly":13},"title":null,"translatedFromId":null,"translations":{"fr":{"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue","id":2471031463,"language":"fr","masterId":952267656,"name":"The 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":null,"performableVariationLetter":null,"personas":[],"placementGuids":[],"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\" ><h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n<!--more-->\n<p>However, you read the fine print in the contract and you’re surprised to see several requirements:</p>\n<ul>\n<li>First, the distributor wants you to extend your policy to cover them by naming them <a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">Additional Insured</a> in case of a claim. No problem: you just send a request and provide us with your distributors name and address. This will generate a <a href=\"/articles/topic/certificates\" rel=\" noopener\">certificate of Insurance</a> (COI). The certificate will detail: your company name and address, what insurance company is covering you, how much insurance the project has (i.e. $1,000,000/$3,000,000), and what the retention (deductible) is, <span style=\"font-style: italic;\">e.g.,</span> $10,000 or $25,000).</li>\n<li>&nbsp;Second, the distributor wants to be covered for 5 years! You just paid a lot of money for a three year policy. Will this cost you more premium? The answer is maybe. There is a special endorsement called a “Rights Period Endorsement (RPE) ” or “Term of Contract Endorsement (TOC)”. This endorsement will extend the length of your E&amp;O term to match the length of your distributors agreement as long as you notify the insurance carrier prior to the expiration of your policy. Just send us your distribution contract and in the majority of cases, the insurance carrier will provide you with this money-saving endorsement.</li>\n</ul>\n<p>Now you can breathe easier knowing that your E&amp;O policy is in place &nbsp;to protect your company, financiers and <a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">distributors</a>.</p>\n<h2><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\">Producer's E&amp;O</a> will cover legal &amp; judgement costs if you are found responsible for any of:</h2>\n<ol style=\"list-style-type: lower-alpha;\">\n<li>Invasion or infringement of privacy</li>\n<li><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">Infringement of copyright</a> or trademark</li>\n<li>Libel, slander or other forms of <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation</a></li>\n<li><a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">Plagiarism</a>, piracy or unfair competition resulting from the alleged use of titles, formats, ideas, characters, plots, performances of artists or performers or other material</li>\n<li><a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\"noopener\">Breach of contract</a>, implied or in fact or in law, resulting from the alleged submission, acquisition or use of program, musical or literary material used by the insured in the insured production</li>\n</ol>\n<p>Please note that this is an illustration only: for a detailed outline of E&amp;O coverage, <a href=\"/contact-us\" rel=\"noopener\">contact us</a> and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.</p>\n<p style=\"font-size: 14px;\"><span><strong><em>DISCLAIMER</em></strong><em>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</em></span></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>Documentary E&amp;O Insurance</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>","postBodyRss":"<h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n<!--more-->\n<p>However, you read the fine print in the contract and you’re surprised to see several requirements:</p>\n<ul>\n<li>First, the distributor wants you to extend your policy to cover them by naming them <a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">Additional Insured</a> in case of a claim. No problem: you just send a request and provide us with your distributors name and address. This will generate a <a href=\"/articles/topic/certificates\" rel=\" noopener\">certificate of Insurance</a> (COI). The certificate will detail: your company name and address, what insurance company is covering you, how much insurance the project has (i.e. $1,000,000/$3,000,000), and what the retention (deductible) is, <span style=\"font-style: italic;\">e.g.,</span> $10,000 or $25,000).</li>\n<li>&nbsp;Second, the distributor wants to be covered for 5 years! You just paid a lot of money for a three year policy. Will this cost you more premium? The answer is maybe. There is a special endorsement called a “Rights Period Endorsement (RPE) ” or “Term of Contract Endorsement (TOC)”. This endorsement will extend the length of your E&amp;O term to match the length of your distributors agreement as long as you notify the insurance carrier prior to the expiration of your policy. Just send us your distribution contract and in the majority of cases, the insurance carrier will provide you with this money-saving endorsement.</li>\n</ul>\n<p>Now you can breathe easier knowing that your E&amp;O policy is in place &nbsp;to protect your company, financiers and <a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">distributors</a>.</p>\n<h2><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\">Producer's E&amp;O</a> will cover legal &amp; judgement costs if you are found responsible for any of:</h2>\n<ol style=\"list-style-type: lower-alpha;\">\n<li>Invasion or infringement of privacy</li>\n<li><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">Infringement of copyright</a> or trademark</li>\n<li>Libel, slander or other forms of <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation</a></li>\n<li><a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">Plagiarism</a>, piracy or unfair competition resulting from the alleged use of titles, formats, ideas, characters, plots, performances of artists or performers or other material</li>\n<li><a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\"noopener\">Breach of contract</a>, implied or in fact or in law, resulting from the alleged submission, acquisition or use of program, musical or literary material used by the insured in the insured production</li>\n</ol>\n<p>Please note that this is an illustration only: for a detailed outline of E&amp;O coverage, <a href=\"/contact-us\" rel=\"noopener\">contact us</a> and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.</p>\n<p style=\"font-size: 14px;\"><span><strong><em>DISCLAIMER</em></strong><em>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</em></span></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>Documentary E&amp;O Insurance</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>","postEmailContent":"<h2>Documentary E&amp;O Insurance</h2> \n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>","postFeaturedImageIfEnabled":"https://cdn2.hubspot.net/hubfs/61352/images/eando/doc-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\" ><h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n<!--more-->\n<p>However, you read the fine print in the contract and you’re surprised to see several requirements:</p>\n<ul>\n<li>First, the distributor wants you to extend your policy to cover them by naming them <a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">Additional Insured</a> in case of a claim. No problem: you just send a request and provide us with your distributors name and address. This will generate a <a href=\"/articles/topic/certificates\" rel=\" noopener\">certificate of Insurance</a> (COI). The certificate will detail: your company name and address, what insurance company is covering you, how much insurance the project has (i.e. $1,000,000/$3,000,000), and what the retention (deductible) is, <span style=\"font-style: italic;\">e.g.,</span> $10,000 or $25,000).</li>\n<li>&nbsp;Second, the distributor wants to be covered for 5 years! You just paid a lot of money for a three year policy. Will this cost you more premium? The answer is maybe. There is a special endorsement called a “Rights Period Endorsement (RPE) ” or “Term of Contract Endorsement (TOC)”. This endorsement will extend the length of your E&amp;O term to match the length of your distributors agreement as long as you notify the insurance carrier prior to the expiration of your policy. Just send us your distribution contract and in the majority of cases, the insurance carrier will provide you with this money-saving endorsement.</li>\n</ul>\n<p>Now you can breathe easier knowing that your E&amp;O policy is in place &nbsp;to protect your company, financiers and <a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">distributors</a>.</p>\n<h2><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\">Producer's E&amp;O</a> will cover legal &amp; judgement costs if you are found responsible for any of:</h2>\n<ol style=\"list-style-type: lower-alpha;\">\n<li>Invasion or infringement of privacy</li>\n<li><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">Infringement of copyright</a> or trademark</li>\n<li>Libel, slander or other forms of <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation</a></li>\n<li><a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">Plagiarism</a>, piracy or unfair competition resulting from the alleged use of titles, formats, ideas, characters, plots, performances of artists or performers or other material</li>\n<li><a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\"noopener\">Breach of contract</a>, implied or in fact or in law, resulting from the alleged submission, acquisition or use of program, musical or literary material used by the insured in the insured production</li>\n</ol>\n<p>Please note that this is an illustration only: for a detailed outline of E&amp;O coverage, <a href=\"/contact-us\" rel=\"noopener\">contact us</a> and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.</p>\n<p style=\"font-size: 14px;\"><span><strong><em>DISCLAIMER</em></strong><em>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</em></span></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>Documentary E&amp;O Insurance</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>","postListSummaryFeaturedImage":"","postRssContent":"<h2>Documentary E&amp;O Insurance</h2> \n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>","postRssSummaryFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/images/eando/doc-forwebsocial.jpg","postSummary":"<h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n","postSummaryRss":"<h2>Documentary E&amp;O Insurance</h2> \n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"TKnlhbFd","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/social-posts/eando/Errors_and_omission_Banner-234177-edited.jpg","previousPostFeaturedImageAltText":"E&O Insurance for Film: Who Is Insured.","previousPostName":"E&O Insurance for Film: Who Is Insured.","previousPostSlug":"articles/eo-insurance-for-film-who-is-insured","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1491603151000,"publishDateLocalTime":1491603151000,"publishDateLocalized":{"date":1491603151000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1661882694708,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/producers-eo-what-is-my-distributor-and-financer-asking-for","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n<!--more-->\n<p>However, you read the fine print in the contract and you’re surprised to see several requirements:</p>\n<ul>\n<li>First, the distributor wants you to extend your policy to cover them by naming them <a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">Additional Insured</a> in case of a claim. No problem: you just send a request and provide us with your distributors name and address. This will generate a <a href=\"/articles/topic/certificates\" rel=\" noopener\">certificate of Insurance</a> (COI). The certificate will detail: your company name and address, what insurance company is covering you, how much insurance the project has (i.e. $1,000,000/$3,000,000), and what the retention (deductible) is, <span style=\"font-style: italic;\">e.g.,</span> $10,000 or $25,000).</li>\n<li>&nbsp;Second, the distributor wants to be covered for 5 years! You just paid a lot of money for a three year policy. Will this cost you more premium? The answer is maybe. There is a special endorsement called a “Rights Period Endorsement (RPE) ” or “Term of Contract Endorsement (TOC)”. This endorsement will extend the length of your E&amp;O term to match the length of your distributors agreement as long as you notify the insurance carrier prior to the expiration of your policy. Just send us your distribution contract and in the majority of cases, the insurance carrier will provide you with this money-saving endorsement.</li>\n</ul>\n<p>Now you can breathe easier knowing that your E&amp;O policy is in place &nbsp;to protect your company, financiers and <a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">distributors</a>.</p>\n<h2><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\">Producer's E&amp;O</a> will cover legal &amp; judgement costs if you are found responsible for any of:</h2>\n<ol style=\"list-style-type: lower-alpha;\">\n<li>Invasion or infringement of privacy</li>\n<li><a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">Infringement of copyright</a> or trademark</li>\n<li>Libel, slander or other forms of <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation</a></li>\n<li><a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">Plagiarism</a>, piracy or unfair competition resulting from the alleged use of titles, formats, ideas, characters, plots, performances of artists or performers or other material</li>\n<li><a href=\"/articles/does-eo-insurance-protect-against-claims-of-breach-of-contract\" rel=\"noopener\">Breach of contract</a>, implied or in fact or in law, resulting from the alleged submission, acquisition or use of program, musical or literary material used by the insured in the insured production</li>\n</ol>\n<p>Please note that this is an illustration only: for a detailed outline of E&amp;O coverage, <a href=\"/contact-us\" rel=\"noopener\">contact us</a> and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.</p>\n<p style=\"font-size: 14px;\"><span><strong><em>DISCLAIMER</em></strong><em>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</em></span></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>Documentary E&amp;O Insurance</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":"<h2>Documentary E&amp;O Insurance</h2>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n","rssSummaryFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/images/eando/doc-forwebsocial.jpg","scheduledUpdateDate":0,"screenshotPreviewTakenAt":1669053894855,"screenshotPreviewUrl":"https://cdn1.hubspot.net/hubshotv3/prod/e/0/7223a263-33c5-4948-a176-45c708eb47ac.png","sections":{},"securityState":"NONE","siteId":null,"slug":"articles/producers-eo-what-is-my-distributor-and-financer-asking-for","stagedFrom":null,"state":"PUBLISHED","stateWhenDeleted":null,"styleOverrideId":null,"subcategory":"normal_blog_post","syncedWithBlogRoot":true,"tagIds":[949708924,949709454],"tagList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901730000,"deletedAt":0,"description":"","id":949708924,"label":"Film producer's E&O insurance","language":"en","name":"Film producer's E&O 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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":7,"smart_type":null,"styles":{},"type":"module"},"name":{"body":{"title":"Producers E&O: What is My Distributor and Financier Asking For?"},"id":"name","label":"Title","name":"name","type":"text"},"post_body":{"body":{"html":"<h1>Documentary E&amp;O Insurance</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/eando/doc-forweb.jpg\" alt=\"Documentary\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></p>\n<p>You sold your documentary! You met your distributor requirement of obtaining a three year E&amp;O policy through the <a href=\"/documentary-organization-of-canada-insurance-program\" rel=\" noopener\">Documentary Organization of Canada (DOC) Program</a>. Congratulations!</p>\n<p>However, you read the fine print in the contract and you’re surprised to see several requirements:</p>\n<ul>\n<li>First, the distributor wants you to extend your policy to cover them by naming them <a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">Additional Insured</a> in case of a claim. No problem: you just send a request and provide us with your distributors name and address. This will generate a <a href=\"/articles/topic/certificates\" rel=\" noopener\">certificate of Insurance</a> (COI). The certificate will detail: your company name and address, what insurance company is covering you, how much insurance the project has (i.e. $1,000,000/$3,000,000), and what the retention (deductible) is, <span style=\"font-style: italic;\">e.g.,</span> $10,000 or $25,000).</li>\n<li>&nbsp;Second, the distributor wants to be covered for 5 years! You just paid a lot of money for a three year policy. Will this cost you more premium? The answer is no. There is a special endorsement called a “Rights Period Endorsement (RPE) ” or “Term of Contract Endorsement (TOC)”. This endorsement will extend the length of your E&amp;O term to match the length of your distributors agreement as long as you notify the insurance carrier prior to the expiration of your policy. Just send us your distribution contract and in the majority of cases the insurance carrier will provide you with this&nbsp; money saving endorsement.</li>\n</ul>\n<p>Now you can breathe easier knowing that your E&amp;O policy is in place &nbsp;to protect your company, financiers and <a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\" noopener\">distributors</a>.</p>\n<h2><a href=\"/articles/producers-errors-and-omissions-insurance-quote-are-you-being-offered-the-right-coverage-for-your-needs\">Producer's E&amp;O</a> will cover legal &amp; judgement costs if you are found responsible for any of:</h2>\n<ol style=\"list-style-type: lower-alpha;\">\n<li>Invasion or infringement of privacy</li>\n<li>Infringement of copyright or trademark</li>\n<li>Libel, slander or other forms of defamation</li>\n<li>Plagiarism, piracy or unfair competition resulting from the alleged use of titles, formats, ideas, characters, plots, performances of artists or performers or other material</li>\n<li>Breach of contract, implied or in fact or in law, resulting from the alleged submission, acquisition or use of program, musical or literary material used by the insured in the insured production</li>\n</ol>\n<p><strong>To obtain a preliminary E&amp;O quote&nbsp;for your project, please</strong> &nbsp;<strong><a href=\"http://www.frontrowinsurance.com/ida-producers-errors-omissions-liability-application\">CLICK HERE</a></strong></p>\n<p>You will be requested to fill out an application and a quote will be given to you in most cases within one business day.</p>\n<p>Please note that this is an illustration only: for a detailed outline of the E&amp;O coverage contact us and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.</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>Documentary E&amp;O Insurance</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>"},"deleted_at":1605630584094,"id":"post_body","label":"Blog Content","name":"post_body","type":"rich_text"}}}

Producers E&O: What is My Distributor and Financier Asking For?

Producers E&O: What is My Distributor and Financier Asking For?

Documentary E&O Insurance

You sold your documentary! You met your distributor requirement of obtaining a three year E&O policy through the Documentary Organization of Canada (DOC) Program. Congratulations!

However, you read the fine print in the contract and you’re surprised to see several requirements:

  • First, the distributor wants you to extend your policy to cover them by naming them Additional Insured in case of a claim. No problem: you just send a request and provide us with your distributors name and address. This will generate a certificate of Insurance (COI). The certificate will detail: your company name and address, what insurance company is covering you, how much insurance the project has (i.e. $1,000,000/$3,000,000), and what the retention (deductible) is, e.g., $10,000 or $25,000).
  •  Second, the distributor wants to be covered for 5 years! You just paid a lot of money for a three year policy. Will this cost you more premium? The answer is maybe. There is a special endorsement called a “Rights Period Endorsement (RPE) ” or “Term of Contract Endorsement (TOC)”. This endorsement will extend the length of your E&O term to match the length of your distributors agreement as long as you notify the insurance carrier prior to the expiration of your policy. Just send us your distribution contract and in the majority of cases, the insurance carrier will provide you with this money-saving endorsement.

Now you can breathe easier knowing that your E&O policy is in place  to protect your company, financiers and distributors.

Producer's E&O will cover legal & judgement costs if you are found responsible for any of:

  1. Invasion or infringement of privacy
  2. Infringement of copyright or trademark
  3. Libel, slander or other forms of defamation
  4. Plagiarism, piracy or unfair competition resulting from the alleged use of titles, formats, ideas, characters, plots, performances of artists or performers or other material
  5. Breach of contract, implied or in fact or in law, resulting from the alleged submission, acquisition or use of program, musical or literary material used by the insured in the insured production

Please note that this is an illustration only: for a detailed outline of E&O coverage, contact us and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

 

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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