Mula

Dani found out what E&O was the week a distributor said yes.

A distributor said yes to Dani’s film, and the list came the same afternoon: a policy called E&O that every distributor requires, a title report, a copyright report, all due in thirty days. Two of her twelve songs were only licensed for festivals, and her composer’s contract never said who owned the score. She had been in prep for a year, and nobody warned her this was coming.

One in the morning, a tab open that says “what is E&O insurance,” and the money is not really what keeps her up. She raised it from people who trust her, and nobody told her about this part, which is the whole reason this company exists.

Dani’s story, and Marcus’s

Built for the producer who is also the line producer.

The rental house, the location, the city, the distributor: each one wants its own piece of paper, worded its own way. Mula keeps the whole picture in one place.

Everything this film will cost you, on day one

Premiums, permits, workers’ comp, the attorney, our fee. One screen, before you sign a location agreement.

What’s covered

Production packageIn place
Workers’ compThrough payroll
PermitsFiled
E&OIn place
Mula’s feeOne line, up front
All inKnown on day one

Insurance paperwork worded exactly how the location asked

Send the lease and the rental quote. The certificate says what they say, the day you ask.

See how

Additional insuredscheduled
Waiver of subrogationyes
StatusIssued 11:40 a.m.

Every paper you sign, kept in one place while you shoot

Every release, license, and cue lands in it as it’s signed.

See the file

Appearance releases (22)In the file
Music licenses (12)2 festival-only
Chain of title opinionNeeds attorney

See the whole picture before you sign anything.

Tell us where the film is going. Every line a producer usually learns about in the last month is on one screen in week one.

The production package, placed
Permits filed, workers’ comp through payroll
E&O, plus the title and copyright reports it needs, at a flat fee
Our fee on its own line, up front

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Where’s this one going?

All in, one numberKnown on day one

This is what your file will look like. Your real numbers come from your intake, once we open.

The certificate says what the lease says. The first time.

Upload the location agreement and the rental quote. We read them for the wording, and we flag the thing that would have stopped the day.

Named the way the location wants it, never a generic blanket form
Insured name matched to your LLC
Loss payee matched to the rental quote
If a location rejects the wording, we fix it within the hour, on us

From the lease, page 4

Licensee shall name Owner and Boyle Heights Property Management LLC as additional insureds on a primary and non-contributory basis, with waiver of subrogation, by scheduled endorsement. Blanket endorsements will not be accepted.

Additional insuredOwner; BH Property Mgmt LLC (scheduled)
Primary and non-contributoryYes
Waiver of subrogationYes

One thing. The drone shot needs $2M aviation liability. We add it before we bind, not at the gate.

When the distributor’s list lands, most of it is already done.

Your file has been filling since the first release got signed in prep. When the deliverables schedule lands, you see the same afternoon what exists and what doesn’t.

Every release read for the clause an underwriter will ask about
Every cue checked against where the film is going
The deliverables schedule matched against the file the day it lands
E&O placed from the file, distributor named

Deliverables, thirty days

Location agreements (3)In the file
Crew deal memos (14)In the file
Appearance releases (22)In the file
Composer agreementIn the file
Music licenses (12)2 festival-only
Title, copyright, script clearanceIn the file
Chain of title opinionNeeds the attorney
E&O certificate, distributor namedIssued
QC reportNeeds the lab

This is what your file will look like. Your real numbers come from your intake, once we open.

Never lose a day. Never lose a deal.

The certificate is already there

The certificate is in the property manager’s inbox before anyone thinks to ask.

Nothing surprises you

The all-in cost was on the screen before you signed a location agreement.

One number, up front

One fixed package priced by your budget, next to what six vendors would have charged.

A licensed broker behind it

Every certificate carries a licensed broker’s name. Wrong wording is fixed within the hour, on us.

The questions producers ask us.

“I have a guy.”

Keep him if he is good. Does he build your chain of title, read every location agreement for the wording, check your cues against where the film is going, and tell you the whole number up front? We are a broker too. The difference is everything that happens between certificates.

“The distributor will handle E&O.”

Some will front it against your delivery payment, and still make you do the clearance you skipped. The same policy bought in prep costs less, and it is yours.

“Will underwriters take your reports?”

I’ll be honest with you: nobody keeps a list of approved report vendors, and I have not seen a carrier turn down a clean title report, copyright report, or script clearance because of who typed it up. Ours are researcher-prepared and reviewed by a media attorney before they go out.

“I just piggyback on a friend’s policy.”

It covers him. File a claim and his premium goes up while you are the one standing on set. And his broker still opens at nine.

“Thimble’s $85.”

Until the location bounces the wording. Then it is a week on hold and a second policy on top of the first.

“Is it fast enough for Thursday?”

The certificate, today. The permit is FilmLA’s three business days, so send it Monday and shoot Thursday. That part is their floor, not ours.

The producer in prep, and the producer who shoots every week.

In prep on a feature

The rental house just said “COI.” Start the file now, in week one, and when the deal comes a year from now, delivery is a two-week job instead of a two-month one.

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Shooting every week

Confirmed Monday, shoots Thursday. Send the lease and the rental quote, and the certificates are in the right inboxes before lunch. At fourteen a year, the same intake becomes your annual policy.

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