Author Archives: Bob Lilly

Do You Need Insurance Coverage For a Short Term?

Every day in Los Angles there are literally dozens of production companies are shooting commercials, training films or engaged in other activities.  Many times these are short-term projects and do not require an annual entertainment policy. All these activities bring with them unique risks that should be insured. And when it comes to entertainment insurance,

We can provide an insurance program that can run for days or weeks. The short term entertainment insurance policy can provide the same level of coverage as an annual policy.

Short Term Production Insurance Might include

  • Rented Equipment
  • Owned Equipment
  • Props, Sets and Wardrobe
  • Negative & Faulty Stock
  • Automobile Liability and Physical Damage
  • Workers Compensation
  • Premises Liability

This office specializes in providing any form of insurance required in the entertainment industry, and we would be pleased to discuss any insurance problem you may have at no obligation.

We are available for our clients anytime.  When in production, all our clients can issue certificates of insurance online – (anytime or anywhere with an internet connection).

Our goal is to provide exceptional service while giving you peace of mind so you can focus on what you do best, create. Give us a call and let us show you how we can save you time and money on your insurance.

We are proud to offer specialized coverage for production and event insurance of all types.

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..

Why Event Planners Need Insurance

What Coverage Do I Need for My Special Event?

Are you involved in promoting a special event? Special Event Insurance must be part of your planning. Special Event Insurance can provide the necessary security to ensure that if something does go wrong, you and your guests are protected.

What is Special Event Insurance?

There are many different kinds of Special Event insurance. Depending on your event, there is insurance coverage that addresses the specific risks. Special Event Insurance is designed to protect the event sponsors or planners against liability claims associated with the event. Claims can come from participants, vendors, and other third parties. Here are a few of the different kinds of events that require insurance:

Festivals– This kind of event would include a community gathering in celebration of a community leader, special day, or organization. These events often include food and activities consistent with a theme. Festivals are usually held in parks or other public places which creates liability for the event sponsors. Festival Liability Insurance is the perfect solution to help sponsors manage these risks.

Music/Concert Events – Concerts are events where the sponsor is responsible for managing a large or small crowd around both professional and nonprofessional performers and musicians. Concert sponsors have a responsibility to manage crowds, provide security, and deal with the “talent”. Concert Event Insurance is the most effective method to protect against liability that can occur during concerts and other music related festivals.

Holiday Festivals– Holiday Festivals are usually centered around a specific cultural or religious holiday. They can include crafts, food, performers, and even alcohol. Holiday Festivals, like other events, create liability for the event sponsors. Special Event Insurance provides the necessary coverage to protect the sponsors and other liable parties such as the building owner.

Private Business Events– Companies large and small plan and organize client events, employee training, seminars, and parties. Much like weddings, these events create liability to the company organizing them. Special Event Liability Insurance can provide protection against claims that might arise from third parties.

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 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 insurance carrier.

We are proud to offer specialized coverage for production and event insurance of all types.

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..

The Risks of Drone Ownership

More and more businesses are purchasing and using drones for a number of reasons.  Drones have been used in the entertainment business for a number of years.  Unmanned Aerial Vehicles (UAV’s), affectionately referred to as “Drones”, are revolutionizing the industry as we know it. Drone insurance is a vital component in protecting the “Owner/operator” of the aircraft. Drones are a quickly evolving technology, and the implications and regulations for owning one may change in the near future. Current sales of drones are running about 200,000 for 2015.

Liability Issues with Drones

Here are a few issues that have not yet been worked out through the courts:

  1. Who owns the airspace?
  2. What constitutes an invasion of personal space?
  3. What are my privacy rights?
  4. Who is liable for damage?

Drone Insurance Concern

Most business insurance excludes liability related to an aircraft of any kind. Drone owners should talk to their insurance agent to see if they have coverage and, if not; consider what coverage options might be available. We have the ability to write drone insurance, call us today.

We are proud to offer specialized coverage for production and event insurance of all types.

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..

Why Use Movie Insure As Your Entertainment Broker?

Why Use Movie Insure As Your Entertainment Broker?

Movie Insure has over 30 years of combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of a motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

We serve a broad range of industry segments including:

  • Commercial films
  • Music videos
  • Musicians
  • Concert promoters
  • Entertainers and performers
  • Performance venues
  • Commercials, documentaries, industrial & educational training
  • Films
  • Animated productions
  • Independent feature film producers
  • Television producers
  • Reality television
  • Photographers
  • Lighting and staging companies
  • Concert promoters
  • Theatrical stage productions

We are dedicated to the entertainment business, they are here to assist you, one-on-one, with the right combination of coverage, price and service. We will even speak with adjusters on your behalf. It’s all part of our commitment to customer service and your satisfaction.

Your Event Was Just Cancelled…Don’t Worry

No matter how well events are planned and organized, there are many things that can go wrong which can cause the event to be canceled.

Event cancellation insurance provides protection for organizations, event planners, production companies and others that host conventions, plays, concerts, trade, and consumer shows.  Coverage is available for indoor and outdoor events held nearly anywhere in the world. If your event is canceled, you still may have legal and financial obligations. If you are holding a concert, comedy show or another entertainment event, call John Hart today.

Event Cancellation Insurance can cover expenses or lost revenue that you might stand to lose if the event you are managing or promoting is canceled or postponed due to unforeseeable reasons beyond your control.

Insurance coverage can include protection from adverse weather, heavy rain, fire, collapse or destruction of the event site, damage to surrounding venues or infrastructure, disease outbreak resulting in lack of access, power failures, and strikes. Other coverage can include non-appearance of a key speaker or entertainer, failure to vacate the event facility, and physical loss of personal property and door registration receipts.

You have a lot invested in your event, and event insurance is a good way to protect that investment. No matter how much time, energy and money you invest in your events, there may be factors beyond your control that can cause costly cancellations or interruptions.

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..

We service the following states: Alabama. Arkansas, Arizona, California, Colorado, Delaware, District of Colombia, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Louisiana, Maryland, Michigan, Mississippi, North Carolina, New Jersey, New Mexico, Nevada, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. If you do not see your state listed here, please inquire anyway – we are growing!

Risks For The Entertainment Industry

Broadcaster Magazine recently ran an article outlining top risks in the entertainment industry. We thought it might be good to re-visit some of these. Rapid consolidation, expanding markets, emerging business models and growing consumer demand are taking center stage and creating real turmoil in the media and entertainment (M&E) industry, Ernst & Young says.

The article points out many kinds of risk faced by the entertainment industry, but we thought we would focus on only on the top three, as we see them.

Asset protection risks including piracy and digital intellectual property rights.

Our Solution – Errors and Omissions, covers legal liability and defense for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters, plots, plagiarism, unfair competition or piracy. Also, protects for alleged libel, slander, defamation of character or invasion of privacy. This coverage will usually be required by a distributor prior to release of any theatrical or television production.

Inability to control costs.

Our Solution – We have access to many of the top markets which creates competition and keeps your entertainment insurance costs down.

Increase climate toward litigation.

Our Solution – Comprehensive Entertainment Liability Insurance, which protects the production company against claims for Bodily Injury or Property Damage Liability arising out of filming the picture. Coverage includes use of all non-owned vehicles (both on and off camera), including physical damage to such vehicles. this coverage will be required prior to filming on any city or state roadways, or any location sites requiring filming permits.

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 service the following states: Alabama. Arkansas, Arizona, California, Colorado, Delaware, District of Colombia, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Louisiana, Maryland, Michigan, Mississippi, North Carolina, New Jersey, New Mexico, Nevada, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. If you do not see your state listed here, please inquire anyway – we are growing!

 

Movie Insure Produces The Right Kind Of Insurance

Here is a list of how we can help you keep you production on time and on budget

We work with many different kinds of entertainment firms, and we have a motto, “If it is fun, we insure it.” We have a great line up of insurance stars that are sure to keep your entertainment company strong!

Producers Errors and Omissions – Covers the legal liability and defense for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters, plots, plagiarism, and unfair competition.

Foreign Production Insurance – Covers the liability associated with production in foreign countries.

Animal Mortality – Animal Mortality insurance will pay an agreed value for your animal actor if it dies from any accidental or natural cause.

Short Term Entertainment Insurance – This is the same quality insurance for those productions that take only a few days or weeks.

Stunt Insurance – Many productions use stunts while filming their movie, commercial, or short film. Even training films often include stunts as part of the production.

Cast Insurance – Cast coverage is intended to reimburse the production company for extra expenses to complete the production due to the death, injury or sickness of any insured artist(s). Coverage can be expanded to include illness, but only after the individual is medically examined. At that time the insurer will extend coverage to include illness. Coverage can also include kidnapping of any artist or director.

Participant Accident Insurance – Participant Accident Insurance can provide accident medical benefits and, at the sponsor’s option, may include accidental death, dismemberment, dental and disability benefits, as well.

Property Insurance – If you have special cameras or other expensive equipment. We can offer replace cost insurance for you.

 

Property Insurance For Production Firms Part II

Part one of property for film and production companies we talked about; definition of covered property, leased or rented property, accounts receivable, extra expense, and business personal property. Now let us cover some additional areas.

Rental Reimbursement -Coverage for continuing rental or lease charges you are legally obligated to pay under a written lease or contract for covered property you rent or lease from others when that property suffers direct physical damage as a result of a covered cause of loss.

Newly Acquired Property-newly acquired entertainment equipment is covered usually, for up to $10,000, for 45 days or until the expiration or cancellation of the policy, whichever comes first.

Valuable Records, Data, and Software-Record keeping is essential for any business. Your policy can include coverage to restore, replace or reproduce your valuable records, data and software.

Unexplained Disappearance-Your coverage is extended to provide up to a specific limit towards the cost to replace covered property that is discovered to be lost or missing upon taking inventory and for which you can furnish a sales receipt or manufacturer’s packaging.

Exhibitions-Equipment that is physically damaged by a covered cause of loss while on temporary exhibition is covered. Error in Repairing, Restoration, or Retouching Your policy also extends coverage to the loss resulting from your employees’ defective workmanship in repairing, restoring, or retouching covered property.

Movieinsure.com can provide your film or production company with:

  • Coverage is available for a wide variety of equipment used in the arts and entertainment industry
  • Property in storage
  • Property in transit
  • Coverage for props and sets
  • Coverage for cameras
  • Property owned by others and in your care, custody, or control
  • Property on exhibition
  • Expediting expense, rental reimbursement, exhibitions, and other important coverage additions and basic limits can be built-in
  • Coverage is available on a scheduled or blanket basis
  • Limits may be customized to meet your individual needs

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 service the following states: Alabama. Arkansas, Arizona, California, Colorado, Delaware, District of Colombia, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Louisiana, Maryland, Michigan, Mississippi, North Carolina, New Jersey, New Mexico, Nevada, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. If you do not see your state listed here, please inquire anyway – we are growing!

 

Note: All coverage described here would be subject to specific limits depending on policy terms.

 

Business Interruption Insurance For Your Entertainment Firm

Coverage For Every Movie Production Company

Business Interruption Coverage is part of commercial insurance policies. This coverage is most commonly found in Commercial Property Insurance Policies and Business Owner’s Policies (a package policy for small businesses, often referred to as a “BOP”). If you own a production, film, TV, media, or Entertainment Company, California Entertainment Business Interruption insurance should be part of your program. Remember we specialize in your industry. There are a number of important elements to Business Interruption Insurance:

  1. Coverage is triggered by a covered loss; for example fire, wind, etc.
  2. There is a waiting period that acts like a deductible.
  3. Coverage is limited to lost net income, temporary relocation, and ongoing expenses such as payroll that enables businesses to continue paying employees rather than laying them off.
  4. There is a time period for recovery, usually 12-18 months.

Extra Expense Insurance reimburses your company for expenses, over and above normal operating expenses, to avoid having to shut down during the restoration period. Usually, extra expenses will be paid if they help to decrease business interruption costs

Business Interruption Insurance can be as vital to the survival of your production firm, studio or company as Fire Insurance. Make sure your policy limits cover a sufficient amount of time to rebuild your business. It can take more time than anticipated after a major disaster to get your business functioning again.

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 service the following states: Alabama. Arkansas, Arizona, California, Colorado, Delaware, District of Colombia, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Louisiana, Maryland, Michigan, Mississippi, North Carolina, New Jersey, New Mexico, Nevada, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. If you do not see your state listed here, please inquire anyway – we are growing!

 

Property Insurance For Film & Production Companies

We get questions every day regarding what are the common coverage’s found in commercial property insurance for film and production companies. Part one of our series, film & production company property insurance, we will review; definition of covered property, leased or rented property, accounts receivable, extra expense, and business personal property. Let’s get to it.

Definition of Covered Property-Covered property includes your equipment and related property used in the entertainment industry including audio, visual, computer, recording, lighting and projection equipment, wardrobes, props, costumes, and fine arts, as well as similar property of others that is in your care, custody, and control.

Property Loaned, Leased or Rented to Others-You’ll have coverage for direct physical loss to covered property you own that you loan, lease, or rent to others.

Accounts Receivable- Coverage is provided to reestablish accounts receivable records damaged as a result of a covered, direct physical loss.

Extra Expense- Commonly used equipment is easily and quickly replaced. Specialized or customized equipment may not be. To help you keep your performance commitments, your policy can cover the necessary and reasonable expenses up to a specific limit to expedite the repair or replacement of covered property. We can also cover the expenses to temporarily rent replacement property until your damaged property can be reasonably repaired or replaced.

Business Personal Property-Your policy covers direct physical damage to your business personal property resulting from a covered cause of loss.

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 service the following states: Alabama. Arkansas, Arizona, California, Colorado, Delaware, District of Colombia, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Louisiana, Maryland, Michigan, Mississippi, North Carolina, New Jersey, New Mexico, Nevada, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. If you do not see your state listed here, please inquire anyway – we are growing!

Note: All coverage described here would be subject to specific limits depending on policy terms.