Traveling to a foreign country presents some logistical, social, and legal issues that should be thought through prior to travel. Traveling with a cast and crew to a foreign country to film a movie, compounds all those logistics. There are a number of things to consider; one of which is Foreign Production Insurance. Consider these risk factors:
- Each country has its own laws, rules and guidelines- We always recommend that you investigate these and develop your plans accordingly.
- Cultural concerns- Not all countries have the same cultural norms as the U.S. Educate the cast and crew on the major cultural differences. Knowing these can go a long way to preventing legal and liability issues. Something as simple as knowing the traffic laws can prevent and or reduce liability to the production company.
- If you are filming in a foreign county we recommend you purchase a Foreign Production Insurance policy. The coverage typically provides:
- Foreign Liability coverage
- Foreign contingent Non-Owned & Hired Auto coverage – Non-Owned & Hired auto coverage (for rented vehicles) is provided on a contingent basis (providing coverage over local primary coverage)
- Foreign Workers’ Compensation/Employers Liability insurance
- Props, sets and wardrobe
- Negative and faulty stock
MovieInsure.com provides the full spectrum of insurance coverages at competitive premiums for foreign productions of any budget, up to 12 months in duration. Single Production and multiple productions (annual policies) are available.
We can provide special stunt coverage for many of the productions you are involved in. Producers and production companies can attain coverage for the following… Stunts, aerial scenes, falls, fight scenes, recreational vehicles, water scenes, weapons, precision driving, and animals.
Many productions or even live events make use of stunts during productions. Most traditional film insurance packages will not cover these stunts as they are considered too risky
Here are a few if the stunts that should be insured:
- Aerial Work – Includes scenic shots from private or commercial aircraft that do not involve aerial acrobatics or other hazardous maneuvers.
- Fight Scenes – Fight scenes that are choreographed, structured, and sequenced. These scenes may involve physical contact between actors and the use of weapons
- Animals – Scenes involving the use of animals, such as dogs, farm animals, household pets, and zoo animals
- Special Driving – Controlled driving on public roads, race tracks, off-road (no racing, skidding, collisions).
- Use of Weapons – Scenes that involve prop guns, squibs, blanks, knives or other similar weapon
Our mission is to serve filmmakers with the best policies their dollar can buy. Our diversified staff utilizes state-of-the-art technology to make your production insurance experience with us as effortless as possible. Simply put, we are “Independent Brokers/Agents” representing you the “client”. We are licensed professionals and bring a personal touch to the delicate relationship between you, the “client” and the “insurance company.” We can act as “brokers” or as “agents” depending on the product sold and/or our relationship with the actual film insurance carrier.
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Today almost every production company, film distribution firm, or any business in the entertainment industry can find itself facing a liability lawsuit. A Professional Liability lawsuit can put assets at risk including business assets, resources, and in some cases the personal assets of owners. One simple mistake could cause financial devastation, as well as end a professional career. Some businesses mistakenly fail to realize that they have an exposure to professional loss.
The most important liability trends are involving intellectual property rights liability; such as copyright and trademark infringement. There is increased litigation around the unauthorized use of third party content; images, film, ant music without permission.
“Media companies are increasingly exposed to claims for copyright, right of publicity and misappropriation of ideas under implied contract. The exposure to these causes of action has increased as media companies try to generate content to keep up with the public’s consistent and growing appetite for news, information and entertainment. Internet exposures arising from third-party generated content are also a concern. These causes of action can give rise to large verdicts, settlements and defense costs. Moreover, a defendant in an intellectual property suit is less likely to prevail through motion practice or on appeal. Most intellectual property suits are likely to settle because they are economic disputes as compared to those involving claims for emotional distress and reputational damages.” P.Blake Keating, VP Media Claims, One Beacon Insurance.
Other Risk and Insurance Trends To Watch
- Use of drones including safety and privacy
- Suite involving social media
- Hacking of entertainment firms form foreign countries
- Development of internet products and copyright issues
- Un authorized used of images in marketing or advertising
It is important to use an agent with commercial experience to help your business find the right combination of coverage, price, and service.
MovieInsure.com offers a wide variety of A-rated, admitted and Non-Admitted insurance companies for our clients to choose from. We only deal with companies that are on the Insurance Commissioner’s approved list. We are located in beautiful Northridge, California next to CSUN