E&O Part 5: Why is E&O Insurance Necessary?

POSTED ON December 19, 2017 / IN Documentary Toolkit


Steven Beer, Jake Levy & Neil Rosini

This Q&A was originally published in the Fall 2017 issue of Documentary magazine, a publication of the International Documentary Association, a nonprofit media arts organization based in Los Angeles.

First, filmmakers should want to avoid economic disaster for themselves if a claim arises from the kind of mistake that E&O insurance covers.  Undisturbed sleep is important.  But even if not perturbed by that kind of risk, filmmakers usually have no choice:  distributors, broadcasters and exhibitors won’t accept a film or video in the absence of written proof that an E&O policy with specified limits covers them as additional insureds. The filmmaker may indemnify them contractually but they will demand the added protection that an insurance company’s assets provide.

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