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## Explore Our
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Media Insurance
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# Walterry Insurance Brokers specializes in media liability insurance, producers errors and omissions (e&o) insurance, producers liability insurance, business, and professional liability insurance.
## Licensed in all 50 States
An Independent Insurance Agency, established in 1968 by Walter and Terry Coady, Walterry Insurance Brokers is a full-service independent insurance broker located in Clinton, Maryland, a suburb of Washington, D.C.
In 1978, Walterry designed a newspaper libel policy. The National Newspaper Association was the first to use this product.  Soon after, twenty-eight state and/or regional newspaper associations followed with their support.
Representing over twenty insurance companies, we are licensed with the insurance commissioners of all 50 states. Walterry Insurance Brokers maintains a traditional full service independent insurance broker for Commercial and Personal insurance clients in the Washington, D.C. Metro area, including life and health.
Walter and Terry Coady
Founders
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### Excellent service
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### I have been a Walterry customer for over 12 years. They have helped me with all...
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### Great customer service!
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### Walterry Insurance Brokers are top notch. I had an issue with a policy and was...
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### Bill, the owner of the brokerage, was nothing but helpful. I have contacted him...
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## Recent News & Updates
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## Contact
* Walterry Insurance Brokers
* [7411 Old Branch Avenue
  Clinton, Maryland 20735
* Phone: (301) 868-7200
* Office Hours:
  + Mon-Thu: 8:00am-5:00pm
  + Fri: 8:00am-4:00pm
  + Sat-Sun: Closed
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## About
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Walterry Insurance Brokers provides media liability, business, and professional liability insurance nationwide.
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 > Insurance Services
# Insurance Services
## Media Insurance
## Business Insurance
## Personal Insurance
## Life Insurance
## Group Insurance
## Health Insurance
 >  > Media Insurance
# Media Insurance
Walterry Insurance Brokers designed and wrote one of the first true occurrence based media liability policy for Film and Television producers.  Walterry also worked with the Corporation for Public Broadcasting, Public Broadcasting Service and National Public Radio to design a policy to protect Public Broadcasting Station. Walterry then established a Public Broadcasting Purchasing Group.
We are a General Managing Agent for the AXIS Insurance Company. We are recognized as one of the largest providers of insurance to newspapers, broadcasters, film, and TV producers in the media liability insurance market. Walterry Insurance Brokers underwrites and issues all policies in a paperless environment.
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 >  >  > Film Producers
# Film Producers
## **ERRORS AND OMISSIONS**
insurance is generally required before your program can be aired or distributed. Distributors or Broadcasting stations require that you indemnify them from claims as a result of the content of your production. Unless you are very wealthy they are going to require an insurance policy to back your indemnification. This policy is commonly called Errors & Omissions.
***HINT:*** To obtain this policy the insurance company is going to require that you obtain the necessary clearances from the actors, all necessary music and script rights, etc., and you may have to submit either your script or a tape for review.
The distributor or broadcasting station will require that the policy cover them for the entire rights period granted. ***HINT:*** Try to obtain a policy that will cover this extended period for a one-time premium. Walterry’s policy does exactly that.
## **GENERAL LIABILITY**
is a must for all producers and freelancers. It protects you against claims from the public for bodily injury or property damage caused by you, your employees, and in some cases, independent contractors you hire. Before most property owners, including municipalities, allow you to shoot on their property, they are going to require proof of insurance. This is commonly referred to as a Certificate of Insurance which will verify policy number, insurance company, limits and inception and expiration dates.
***HINT:***Be sure to determine in your planning stages what limits of liability will be required by any property owner whose property you will be using. Don’t forget that governments and cities are property owners and will require certificates before they allow you to shoot on their streets and sidewalks.
## **EQUIPMENT, PROPS, SETS, AND WARDROBE**
are equipment which should be insured. This policy provides coverage of “direct physical loss” to any property listed in the policy. Coverage can also be provided for equipment you rent and have endorsed to the policy. Equipment rental firms will generally require proof of insurance before they allow any equipment to leave their premises. HINT: Advance planning is necessary so that your agent has sufficient time to prepare the necessary proof required by the rental firms.
Policy should be written with replacement cost which means that the reimbursement value is without regard for depreciation. ***HINT:*** Accidental breakage coverage should also be purchased to cover equipment damaged by accidental dropping.
## **FAULTY STOCK, CAMERA, AND PROCESSING**
reimburses you the cost to reshoot your scene or scenes due to loss sustained as a result of loss or damage to exposed film, recorded videotape, sound tracks, and tapes, caused by fogging or faulty developing, faulty editing, or faulty processing, or the accidental erasure of videotape recordings.
***HINT:*** The limit of this insurance should be your entire budget less the cost of scripts and any rights which would not have to be purchased again in order to reshoot.
## **NEGATIVE FILM AND VIDEOTAPE**
reimburses you the cost to reshoot your scene or scenes due to loss sustained to your exposed film, recorded videotape, sound tracks, and tapes used in connection with your production caused by any direct physical loss or damage, unless excluded in the policy.
The policy does not cover perils insured under the Faulty Stock, Camera and Processing policy and is generally issued as a companion policy.
## **THIRD PARTY PROPERTY DAMAGE**
insures property belonging to others that is in your care, custody or control. The General Liability policy excludes this type of property. This policy pays on your behalf if you are legally obligated to pay for damages to this type of property.
An example of this could be a borrowed valuable painting or sculpture to use as background for a scene.
## **EXTRA EXPENSE**
is a policy that is often overlooked, but is a very important policy.
What happens if you rent a location for two weeks, rent the equipment needed, hire the technicians necessary to do the shoot, and when you get to the location it has been damaged or destroyed the day before because of fire? You can’t find an available location for a week. In the meantime you have the extra expense of the rental equipment and staff, not to speak of the extra cost of lodging. This policy covers the extra expense you incur because of such interruption.
The policy limit should be the estimated cost of the extra expenses which could be incurred as a result of the loss of use of the damaged or destroyed property.
## **WORKERS’ COMPENSATION**
is generally required in most states if you have employees, and should also be purchased if you hire any independent contractors who cannot provide you with a Certificate of Insurance.
This policy pays all medical bills and also provides disability benefits as defined by your state’s workers’ compensation laws for any employee or independent contractor insured under this policy who is injured in the course of employment.
Most states consider independent contractors as employees if they do not have their own workers’ compensation policy. ***HINT:*** Be sure if you hire independents to obtain a Certificate of Insurance.
The premium on this policy is finally determined by an audit of your payroll accounts by the insurance company at the end of the policy period.
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 >  >  > TV and Radio Broadcast Station
# TV and Radio Broadcast Station
## Leadership. Protection. Endurance.
## *Delivering Security in a World of Risk*
To endure and succeed in today’s increasingly global business, broadcasters must continually keep pace with evolving technology, marketplace demands, competitors, and a changing legal landscape. Complicating the picture further is an expanding litany of media liability exposures Ñ ranging from defamation, invasion of privacy, and emotional distress to copyright infringement, trademark infringement, misappropriation, and advertising errors and omissions any of which can result in a calamitous lawsuit from any number of sources. Consider the financial impact on your organization if:
* A public official sued you for **false light because** of broadcasted hidden camera footage of the official allegedly engaging in the misuse of taxpayer funds.
* A company sued you for **trademark infringement**, alleging that your organization had aired a series of programs under a “confusingly similar” name.
* An employee made an unflattering comment about a person in a radio interview, and that person sued you for defamation **and emotional distress.**
* A news broadcast inadvertently included personal information about someone, who then sued you for invasion **of privacy.**
Today’s media companies need protection that goes beyond traditional libel insurance. Walterry Insurance Brokers (Walterry) has teamed with AXIS Insurance Company (AXIS) to provide media liability insurance, a one-stop solution for the insurance needs of:
* TV Broadcast Stations
* Radio Broadcast Stations
* Newspaper Publishers
* Podcasters
* Film/Video Producers
Walterry has more than 45 years of experience insuring the media and AxIS Is a provider of media liability insurance with their media/professional insurance portfolio of policies. They offer coverage to a variety of media businesses including publishers, broadcasters, film producers, distributors and libraries, advertising agencies and public relations firms, public appearances, and multimedia companies.
AXIS offers extensive underwriting and claims expertise, including staff attorneys specializing in First Amendment, privacy, publicity, intellectual property, errors and omissions (E&0), and cyber/data security and privacy.
Walterry has been endorsed by the National Newspaper Association and 28 State or Regional Press Associations.
***Disclosure:**This product information is for descriptive purposes on and does not provide a complete summary of coverage. Issuance of coverage is subject to underwriting. Consult the applicable insurance policy for specific terms, conditions, limits, limitations and exclusions. Claim examples are provided for illustrative purposes only. Not all coverages or options stated above may apply to each policyholder, and coverage may not be available in all jurisdictions. Underwritten by AXS Insurance Company (NAIC # 37273). an Illinois property and casualty insurer. licensed in all 50 states of the United States and the District of Columbia, with offices at 111 South Wacker Drive Suite 3500 Chicago, IL 60606.*
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