Resources and information on Professional Liability, Errors and Omissions Insurance, and Malpractice Insurance.

Errors and Omissions (E&O) insurance is a specialized type of coverage crafted to shield professionals and businesses from potential legal claims stemming from mistakes, omissions, negligence, or wrongful actions in the services they deliver. This insurance is applicable across a wide range of industries and is particularly vital in sectors where legal liabilities pose a significant risk. Below, we address essential inquiries regarding E&O insurance:

What is Errors & Omissions Insurance?

Errors and Omissions (E&O) insurance, often referred to as E&O insurance, offers protection against legal claims stemming from errors, omissions, or negligence that may arise during business operations. This type of insurance safeguards businesses and professionals from potential lawsuits related to issues like defamation, copyright infringement, unauthorized use of names or likenesses, and breach of contract during the course of their operations.
*Call or email us, we are happy to discuss more details about coverage specifics.  Always consult your policy/quote for a full view of your coverage details.  

How much does E&O insurance cost for film distribution?

The cost of Errors and Omissions (E&O) insurance, irrespective of the industry, can fluctuate based on factors such as the nature of the business, its financial resources, operational plans, and the historical performance of the professionals involved. Typically, E&O insurance premiums for businesses range from 1% to 3% of their total budget. However, these costs may rise if the business carries a higher risk profile or if additional coverage extensions are deemed necessary.



Errors and Omissions (E&O) insurance offers coverage for a broad spectrum of claims, encompassing issues such as libel, slander, defamation, copyright infringement, unauthorized use of names or likenesses, plagiarism, breach of contract, and errors related to clearance and title. This insurance serves as a financial shield, safeguarding against the costs associated with legal defense, settlements, or judgments arising from these types of claims.
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Businesses require E&O insurance to shield themselves from potential legal and financial ramifications. This coverage offers protection against claims stemming from issues such as defamation, copyright violations, unauthorized use of intellectual property, and similar challenges that may arise during business operations. E&O insurance serves as a safeguard, providing assurance and assisting businesses in managing the financial perils connected to potential legal disputes.


Is E&O the Same as D&O?: Picture this – errors and omissions (E&O) insurance, a distinct entity from directors and officers (D&O) insurance. E&O swoops in to shield you from professional hiccups, errors, and omissions, while D&O stands guard, specifically protecting your company’s decision-makers from the repercussions of their management choices. It’s a dynamic duo, each with its unique mission.

E&O’s Who’s Who: Now, let’s cast a spotlight on the stars who typically carry the E&O torch. Meet filmmakers, production companies, and film distribution wizards – the leading roles in this insurance saga. In the world of business, they’re the ones offering professional services in film production, distribution, and all related acts. E&O insurance? Their backstage pass to security.

E&O: Worth the Investment: Drumroll, please! Is E&O insurance worth it? For filmmakers and production companies, it’s the golden ticket. The film industry’s treacherous terrain is riddled with legal landmines, and a single lawsuit can be the villain of your financial saga. Enter E&O insurance – your trusty sidekick, covering legal defense costs, settlements, and judgments. It’s the shield that lets you wield your creative sword without fear of legal dragons.

Cracking the E&O Cost Code: You’re at the climax – the cost of E&O insurance. The suspense is palpable. Brace yourself, for the cost varies with the production’s scale, risk profile, and coverage limits. While premiums are generally a one-time investment, they can be significant. But here’s the twist: the potential financial peril of skipping E&O coverage can far outweigh the insurance cost. Generally, it ranges from 1% to 3% of your production budget. The plot thickens if your film has a high-risk profile or demands extra coverage extensions. Remember, E&O insurance is your financial lifeline in the tumultuous world of business.


Seasoned Expertise: Welcome to the world of business assurance, where Kelly Insurance Agency has honed its craft for years. Our team of E&O insurance experts are not just practitioners; they’re navigators of risk, ready to guide you through the labyrinth of professional pitfalls. Your business deserves the tailored protection we provide.

Trusted Partnerships: We’ve partnered with the Titans of insurance: HISCOX, Allstate, and Progressive. These giants have mastered the art of safeguarding businesses. It’s like having a trio of superheroes, each with their unique powers, protecting your enterprise. With their unwavering legacy, you can rest assured that your business is in safe hands.

Lightning-Fast Support: Need answers? Worried about potential liabilities? Our team is your all-day, every-day support system. We’re more than a hotline; we’re your go-to team. From inception to expansion, we’re your confidants, ensuring you’re never left in the dark. In the fast-paced world of business, we match your speed, providing immediate assistance whenever you need it.

Smart Budgeting: In business, every dollar counts. We understand that balancing the books is a high-wire act. That’s why Kelly Insurance offers competitive pricing that won’t disrupt your financial equilibrium. Our aim? To secure your business without compromising your budget.

Unleash the full potential of your business with Kelly Insurance Agency. Where the world of entrepreneurship meets the fortress of insurance. It’s not just protection; it’s empowerment.

*Call or email us, we are happy to discuss more details about coverage specifics.  Always consult your policy/quote for a full view of your coverage details.  


For film and documentary productions, E&O insurance is crucial to safeguard against potential legal risks. It covers a wide range of claims, including:

What We Do Differently?

Don’t allow concerns about potential risks and legal obligations to overshadow your business goals. Rely on the expertise of Kelly Insurance Agency to deliver the comprehensive insurance solutions your company requires. Reach out to us today, and let our committed team safeguard your enterprise, enabling you to concentrate on your core strengths – building a successful business.




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