[Richard Kuenneke]

Uh – you’re wrong. September 1, 1939 in Europe when Germany invaded Poland. https://en.wikipedia.org/wiki/World_war_two

The United States entered the war in 1941 after the Japanese attack on Pearl Harbor. That was my reference, sir.

Rich

[Richard Kuenneke]

I have general liability insurance. I don’t have E & O, which you say I need just as much as I need general coverage. Where do you buy yours?

Why aren’t the insurance companies advertising in the trades? And if this topic is so important, why aren’t we seeing more articles about it? Shouldn’t the Cow or some other trade report on this topic?

Given the critical need for this insurance – according to you and a few others in this string – It appears the insurers are missing the boat by not making themselves known.

Rich

[Richard Kuenneke]

Our local PBS station has never required this insurance before. They’ve welcomed my work because I enjoy producing historical content and it helps them stay ahead on their own production schedule if they have 15 fewer minutes to produce or program – plus it’s local and it’s free to them. I’m grateful for the exposure and the credibility a local broadcast of my work lends to my business. It also doesn’t hurt that I worked for them for 9 years before launching my own production company.

I intend to plead my case when the time comes – but I’m also evolving in my opinion about the need for this insurance – gradually. I guess it’s worth the peace of mind – but it alters the landscape for the super local, like me.

Rich

[Richard Kuenneke]

Yes, I’m dealing with facts, but no one can make a damage claim if I reported World War Two started in 1943 instead of 1941. The point is that if I somehow misrepresent someone in my work then, in theory, they could sue. However, they’d have to prove I intended to misrepresent that person. Absent malice, there’s no case. But, as we know, people may engage a lawsuit and hope to settle out of court.

Rich

[Richard Kuenneke]

I’ve never thought of using insurance for anything other than catastrophic loss, knocking on wood here in tornado country.

Thanks so much for all of the responses. Great information, which I expected when I submitted the original post.

Rich

[Richard Kuenneke]

Something just doesn’t jive with all of this. I know all of you who have responded are correct and I know I’ll have to buy it. But it seems like overkill for what I’m trying to do.

Thanks again for the posts – this is a fantastic forum. I’m very grateful.

Rich

Rich

[Richard Kuenneke]

Thanks

[Richard Kuenneke]

Thank you – I agree, a targeted marketing effort will serve a much better chance of success than the shotgun approach. The trouble is that I am probably going to have to do that myself – and that’s not very appealing. I believe that’s where the agency and I part our ways – they want something “turnkey” and self-perpetuating – a beautiful concept, but the world doesn’t work that way. They would have to offer an incentive for me to continue marketing the project beyond the terms of the grant/loan.

Thanks again!

Rich