{"schema":"record/v1","id":"art_01M5MSWR3W21YR1H09S5209XCR","type":"article","revision":1,"etag":"\"r1.s0\"","title":"What do I need to have done before release so that a distributor accepts my film or show (E&O insurance, clearance, title report), and what will the insurer ask me for?","summary":"Three public practitioner texts (an insurance broker in 2006 and 2012, entertainment lawyers in 2017) and two insurer application forms (Beazley, form dated 09/2020 and a 2024 individual application) say the same chain: distributors require an E&O policy naming them as additional insured; the insurer asks for a lawyer, a script or synopsis, standard contracts, a title report and answers on clearances (copyright owners, contributors, living persons, estates, music, footage); clearance should start at inception and finish at final cut. They name typical limits ($1M per claim / $3M aggregate) but the deductible and term figures differ between texts. Texts only; no legal conclusion.","status":"active","body":{"text":"Three public practitioner texts (an insurance broker in 2006 and 2012, entertainment lawyers in 2017) and two insurer application forms (Beazley, form dated 09/2020 and a 2024 individual application) say the same chain: distributors require an E&O policy naming them as additional insured; the insurer asks for a lawyer, a script or synopsis, standard contracts, a title report and answers on clearances (copyright owners, contributors, living persons, estates, music, footage); clearance should start at inception and finish at final cut. They name typical limits ($1M per claim / $3M aggregate) but the deductible and term figures differ between texts. Texts only; no legal conclusion.\n\nCurator qualifications: 5 of 5 excerpts with text present. Binding-time variance confirmed: S1 and S2 'takes at least three to five days to accomplish'; S3 'Usually a week or two goes by before the coverage can be put into place'. S3: distributors 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'; S2: 'A certificate including your distributor as an additional insured is sent'.\n\nEvidence status: statements located in the cited sources by a correlated desk review (Claude); not executed; not independently reviewed.","citations":[{"url":"https://www.documentary.org/feature/errors-omissions-rights-oh-my-guide-protecting-your-film","note":"IDA 'Errors, Omissions, Rights' (live; bytes differ from pin, excerpts present); IDA 'E&O to the Rescue!' (2006; live); IDA 'Err or Omit' column (2017; live); Beazley annual E&O application (equals pin); Beazley individual E&O application (equals pin)"},{"url":"https://documentary.org/feature/eo-rescue","note":"IDA 'Errors, Omissions, Rights' (live; bytes differ from pin, excerpts present); IDA 'E&O to the Rescue!' 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(2006; live); IDA 'Err or Omit' column (2017; live); Beazley annual E&O application (equals pin); Beazley individual E&O application (equals pin)"},{"url":"https://beazley.com/globalassets/product-documents/application/beazley-tv-film-webisodes-theatre-producers-eando-individual-app-ca.pdf","note":"IDA 'Errors, Omissions, Rights' (live; bytes differ from pin, excerpts present); IDA 'E&O to the Rescue!' 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They name typical limits ($1M per claim / $3M aggregate) but the deductible and term figures differ between texts. Texts only; no legal conclusion.","locator":"IDA 'Errors, Omissions, Rights' (live; bytes differ from pin, excerpts present); IDA 'E&O to the Rescue!' 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They name typical limits ($1M per claim / $3M aggregate) but the deductible and term figures differ between texts. Texts only; no legal conclusion.\n\nCurator qualifications: 5 of 5 excerpts with text present. Binding-time variance confirmed: S1 and S2 'takes at least three to five days to accomplish'; S3 'Usually a week or two goes by before the coverage can be put into place'. S3: distributors 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'; S2: 'A certificate including your distributor as an additional insured is sent'.\n\nEvidence status: statements located in the cited sources by a correlated desk review (Claude); not executed; not independently reviewed.","citations":[{"url":"https://www.documentary.org/feature/errors-omissions-rights-oh-my-guide-protecting-your-film","note":"IDA 'Errors, Omissions, Rights' (live; bytes differ from pin, excerpts present); IDA 'E&O to the Rescue!' (2006; live); IDA 'Err or Omit' column (2017; live); Beazley annual E&O application (equals pin); Beazley individual E&O application (equals pin)"},{"url":"https://documentary.org/feature/eo-rescue","note":"IDA 'Errors, Omissions, Rights' (live; bytes differ from pin, excerpts present); IDA 'E&O to the Rescue!' 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(2006; live); IDA 'Err or Omit' column (2017; live); Beazley annual E&O application (equals pin); Beazley individual E&O application (equals pin)"}]},"tags":[],"type":"article","links":[],"title":"What do I need to have done before release so that a distributor accepts my film or show (E&O insurance, clearance, title report), and what will the insurer ask me for?","rights":[{"notes":"Applies to this original summary only, not to the cited sources.","hosting":"permitted","component":"documentation","license_id":null,"modification":"unknown","evidence_urls":[],"model_training":"unknown","redistribution":"permitted"}],"summary":"Three public practitioner texts (an insurance broker in 2006 and 2012, entertainment lawyers in 2017) and two insurer application forms (Beazley, form dated 09/2020 and a 2024 individual application) say the same chain: distributors require an E&O policy naming them as additional insured; the insurer asks for a lawyer, a script or synopsis, standard contracts, a title report and answers on clearances (copyright owners, contributors, living persons, estates, music, footage); clearance should start at inception and finish at final cut. 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Texts only; no legal conclusion.","locator":"IDA 'Errors, Omissions, Rights' (live; bytes differ from pin, excerpts present); IDA 'E&O to the Rescue!' (2006; live); IDA 'Err or Omit' column (2017; live); Beazley annual E&O application (equals pin); Beazley individual E&O application (equals pin)","classification":"sourced_fact"}],"review":"unreviewed","execution":"not_run","inspection":"source_inspected","execution_record_ids":[]},"language":"en","categories":["T04","T20"],"extensions":{"curation/v1":{"curator":"CURATOR-A-20261021","revision":1,"topic_ids":["CAT:T04.03"],"confidence":"Not stated; see limitations.","limitations":["Source pin hashes are native catalogue descriptor hashes, not upstream byte hashes. 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