Film, Video & Post Production

Covers the agency travel expenses originally paid for by the advertising agency to return to the location as a result of a Negative Film and Videotape, Faulty Stock, Camera or Processing loss. (For commercials only)

Covers animal mortality caused by an accident only. For sickness coverage, a veterinary certificate is required. Coverage for loss of use is also available by endorsement.

Covers the extra expenses due to accident or sickness or both to named persons. Coverage can be extended to cover the pre-production period. A medical examination is usually required to obtain sickness coverage and coverage is provided for a limited period of time.

Covers such loss not including loss of earnings or profit, sustained by reason of such extra expense necessarily incurred in the event of interruption, postponement or cancellation of a declared production as a direct and sole result of the action of a civil authority that prohibits access to the property or facilities contracted to be used in connection with such production and occurring during the policy period.

Provides coverage for bodily injury and property damage to third parties as a result of your negligent actions. In the event there is no negligence on the part of the film production company there is a medical expense limit that will be available on a gratuitous basis.

Covers the expenses to abandon the production, the expenses associated with a delayed completion of the production or extra expense to hire another director, whichever is less, as a result of accidental injury to the director during the filming of a production.

Covers property, money or securities stolen by one or more employee. Most
property policies exclude theft by employees.

Covers your statutory obligation for any profit sharing or pension plans you may have.

Protection for libel, slander, defamation, infringement of copyright or trademark, unauthorized use of titles, formats, ideas, characters, plots and invasion or infringement of or interference with the right of privacy or publicity resulting from a production.

Provides the production company with the right to abandon a production should the essential element cast participant or other personnel deemed "key" or essential become unable to complete the production due to death, injury or illness. Essential Element covers production related costs that were spent prior to the abandonment of the project.

Covers those expenses incurred above and beyond what would have otherwise been incurred as a result of direct damage to property being used in the production. Please note that there are many exclusions in this section. For example changes of temperature, dampness of atmosphere, damage to property stored in the open, loss of use of animals, breakage of glass or fragile materials and mechanical breakdown of other than cameras, sound equipment and generators; providing this endorsement has been added.

As respects portable generators, camera equipment or sound equipment, provided they were fully tested and proven to be in good working condition prior to being used, the exclusions of mechanical breakdown, short circuit or other electrical injury, disturbance or failure, whether due to external or internal causes shall not apply.

Covers the actual cost to reshoot the film as a result of bad film, camera malfunction or lab errors. There is no coverage for weather days during the reshoot.

Covers an employee who suffers injury or sickness which is job related and who has been brought from one foreign country to another. It is important to note that the domestic workers compensation policy will cover U.S. employees while in a foreign country for a short time. In the event the U.S. employee is stationed in a foreign country for other than a short time, foreign workers compensation should be obtained. Foreign coverage should be purchased to provide a repatriation and endemic disease benefit.

Is recommended anytime you film outside of the United States, its Possessions and Territories and Canada.

Is recommended anytime you film outside of the United States, its Possessions and Territories and Canada.

Covers a contractual obligation of different unions for an accidental death and dismemberment benefit. Coverage can be purchased for key directors and producers on a voluntary basis. If you are using a payroll service, it is important to verify that they have secured this coverage.

Protects against physical damage to hired automobiles.

Covers the actual equipment being used to film including cameras, lights, grip and generators. Please note, this coverage can be extended to include physical damage to production vehicles and automobiles. At the very least, the coverage should be extended to include camera cars and cranes. Owned equipment is also covered under this section.

Loss of use coverage for film or video rented equipment is provided in either the miscellaneous equipment or third party property damage section. The various entertainment insurance carriers include this coverage under different sections of their production policies.

Covers theft of petty cash and cash used for productions. Coverage may be excluded unless cash is locked in a safe place while unattended.

Covers the actual cost to reshoot the film as a result of fire, theft, water damage or lost film. There is no coverage for weather days during the reshoot.

Covers the expenses due to the non-appearance of a named person. Coverage is broader than mere cast coverage and it can be extended to cover circumstances beyond the cast members control. Coverage is provided for a limited period of time and can be extended to cover the pre-production period.

Covers you for bodily injury or property damage claims arising from the use, loading or unloading of aircraft. Worldwide coverage can be purchased on the same policy. Excludes coverage for physical damage to the aircraft being used.

When using an aircraft, you should purchase nonowned aviation liability and name yourself as an additional insured on the aircraft's policy. In addition to purchasing your own coverage or sharing the coverage of the aircraft, you should obtain a hold harmless agreement for damage to the aircraft itself and a waiver of subrogation from the insurance carrier that insures the aircraft. In the event you are unable to secure the hold harmless agreement and waiver of subrogation, you should insure the aircraft for physical damage.

Covers you for bodily injury or property damage claims arising from the use, loading or unloading of watercraft. This coverage is usually purchased on a job by job basis. Therefore, you should be certain to purchase domestic or foreign coverage as needed. Excludes coverage for physical damage to the watercraft being used.

Protects against claims resulting from the use, loading or unloading of nonowned and hired automobiles. Coverage is limited to the United States, its Possessions and Territories and Canada. Coverage excludes physical damage to the automobile being driven.

Covers desks, computers, telephones, furniture and improvements & betterments.

Covers extra expenses incurred due to the actual or potential impairment of your operations caused by or resulting from direct physical loss to property or personal property of a utility such as a water or power supply company.

Covers against costs due to political risk and confiscation of film and equipment due to foreign governments.

Covers props, sets & wardrobe used in a commercial. Jewelry, furs, fine arts, antiques and objects of art usually have a sublimit. Please note Props, Sets & Wardrobe coverage does not afford any animal mortality coverage. Animal mortality coverage can be added by endorsement.

Covers you for bodily injury or property damage claims arising from the use of railroads. This coverage is usually purchased on a job by job basis. Therefore, you should make certain to purchase domestic or foreign coverage as needed. Excludes coverage for physical damage to the railroad being used.

Covers employees for a statutory amount in the event they get hurt or sick while off the job. This is mandatory coverage in New York, New Jersey, Rhode Island, Puerto Rico, Hawaii and California. If you are using a payroll service, it is important to verify that they have secured this coverage.

Covers the cost of talent which was originally paid for by the advertising agency in the event of a re-shoot caused by a Negative Film and Videotape, Faulty Stock, Camera or Processing loss. Please note, some companies are placing a $50,000 limit on this expense. (For commercials only.)

Covers that property not specifically covered under Negative, Film & Videotape, Props, Sets or Wardrobe, Miscellaneous Equipment or Office Contents that are in the insured's care, custody and control. This coverage usually applies to property being moved out of the way on the location and in many instances to the location itself.

Loss of use coverage for film or video rented equipment is provided in either the miscellaneous equipment or third party property damage section. The various entertainment insurance carriers include this coverage under different sections of their production policies.

Provides bodily injury and property damage coverage over and above the commercial general liability limit, automobile liability and employers liability limits. It is important to note that the umbrella policy may require you to maintain specific minimum coverage limits on the underlying commercial general liability, automobile liability and employers liability policies.

Must be purchased at least ten days prior to the date for which coverage is desired. Covers those expenses incurred as a result of being unable to film as a result of a weather condition including rain, snow or wind depending on the peril you selected. Please note that the measurement of rain, snow or wind is usually the nearest weather station and not your actual shoot location. Arrangements can be made at your expense for an independent weather observer to record the measurements at your location if necessary.

Covers an employee for sickness or injury arising out of and in the course of employment. An employee is basically anyone under your direct supervision and control, regardless of the number of days worked for you, and regardless of whether or not you are withholding taxes.