I'm all for fair use but I think this article needs to emphasise more that this really only applies to DOCUMENTARY filmmaking. It's interesting that this article mentions nothing about parody as a form of fair use but then again this maybe down to it being common knowledge. It would be interesting to know what the legal fees are for legal advice on a film and how much E&O Insurance costs. This article is kind of saying that lawyers and insurance companies have come up with a way for you to pay them instead of the copyright holder. Also what are the chances that the insurance company is going to cover all of the Errors and Omissions cases that come their way? Will you be having to debate with your insurance provider that your case falls under fair use and should be covered by the Errors and Omissions policy you've payed for? I think it comes down to the type of film you're creating and the footage you wish to use. Some licensing fees maybe less than the cost of legal advice and insurance, however other licensing fees can be huge and when you're working with something of that scale it's best to have all your boxes ticked. This is a great article and has some really good advice. I just worry that it's kind of saying that instead of supporting and giving money to the content owners who's footage you want to use, give your money instead to a lawyer and an insurance company. Think about your own film and content and how you feel about it being used in other people's work. One thing I have come to realise in this industry is that everyone wants everything for free but when it comes to their own work they want top dollar for it.