money to get E & O insurance. If a distributor is really hot for a movie they can front the cost through a carrier they deal with on a regular basis. The indie film producer will not have to go out of pocket upfront for the cost. But the distribution company will recoup the money spent from any sales, commonly referred to as a “charge back” to the indie film producer.
Be realistic that it’s most likely the distribution company will not get an indie film producer a great rate on E & O insurance. Think of it like buying something on credit you can’t afford and paying a higher interest rate later on. But if an indie film producer’s pockets are light money there is not another choice unless you pass on the deal. Easy credit will cost indie film producers more of their future movie profits down the line.
An indie film producer is better off if they look