Author Archives: Bob Lilly

We Know Entertainment Insurance

Our dedicated entertainment and film insurance department has been focused on the entertainment and film business segment for over twenty-nine years. We not only provide our clients with the appropriate insurance product, but aid in the overall risk management of their entertainment and film production risk. Our reach is local, national, and worldwide.

The entertainment industry is a broad category that includes a wide range of businesses. Here are some examples.

  • Entertainers such as musicians, clowns, singers, jugglers, and dancers
  • Film, television and video producers
  • Entertainment services providers (businesses that provide lighting, sound, props, costumes etc.)
  • Entertainment venues like concert halls, theaters, and family entertainment centers
  • Performing arts businesses like dance troupes, orchestras, and operas
  • Broadcasters
  • Photographers and videographers
  • Event planners

We have over 60 years combined experience in the field of entertainment insurance. We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies. Call us today for more information.

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!

 

Entertainment Insurance Is What We Do

Movies, films, documentaries and short films entertain us and may even bring a tear to our eyes. But for film producers, an uninsured loss can bring tears to their eyes as well.

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 entertainment insurance experience with us as effortless as possible. Simply put, we are “Independent Brokers/Agents” representing you the “client”.

SPECIAL EVENT COVERAGE

Coverage for a Single Event. Over 200 types of events. No attendance maximum. The maximum event duration is 90 days.

ANNUAL VENDORS & EXHIBITORS

Provides coverage on an annual basis for a vendor, exhibitor, or concessionaire at a Trade Show, Festival, Fair, and similar activities.

EVENT CANCELLATION

Event Cancellation for over 150 types of events, up to 90 days in duration.

FOREIGN EVENTS

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 production (annual policies) are available.

PROMOTERS

The Promoters program insures a promoter of events such as music, festivals, shows, clubs, parties and more.

ANNUAL EVENTS

Over 200 event types can be declared to the annual policy. No maximum attendance. No limitation on number of days.

THEATRICAL GROUPS

The Theatrical program covers touring and non-touring theatrical companies.

TOURING ENTERTAINERS

The Touring Entertainers program covers touring musical groups, touring entertainers and performers, comedians, house bands, and baby bands.

We have over 60 years combined experience in the field of entertainment insurance. We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies. Call us today for more information.

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!

 

Our mission here at MovieInsure, is to serve filmmakers with the best policies their dollar can buy.  We focus exclusively on understanding the unique needs of the motion pictures, television, video, music, and theatrical companies.  This knowledgebase 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 the entertainment industry

  • 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 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..

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!

 

Need An Expert In Entertainment Insurance?

Why consider MovieInsure?

  • Our carriers are A-rated and we can offer you rates lower than our competitors
  • We have experience in your industry

What products do we offer?

  • General liability for your locations
  • Coverage for your borrowed and rented gear
  • Liability and physical damage to your pictures cars and grip trucks
  • Coverage for injuries to the cast and crew
  • Professional liability

Give us a call and we would be happy to provide you with a review of your program and a quote.

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..

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!

Are You Sure Your Production Is Covered?

The Wild Wild World Of Entertainment Insurance

When you think about entertainment insurance there are a number of things you must consider. But the single most important thing to consider is the skill and experience of the agent.  We have been helping the entertainment industry manage risk for many years, and we have found three things that will help you understand your risk.

Why work with an independent agent?

When you purchase insurance through an independent California agent you are working with a licensed professional who specializes in the products and services you need. Independent agents are local business owners who employ your neighbors to serve your needs.

  • We represent many different markets, giving you more options.
  • MovieInsure is there to handle your claims, and we will help you through the claims process.
  • We are experienced. Our staff completes regular training on all the insurance products you need.
  • You want a business that is locally owned.

Proven ways to save on your entertainment insurance

  • Narrow production periods. Rather than 3 weekends try to manage in six consecutive days.
  • Paint a picture that describes what you do and how well you do it. You have to sell the underwriter on what is different about your operation and how the insurance company needs to insure your risk, because you are above average.
  • We will market your account with many different insurers, giving you the best combination of price and coverage.

Entertainment claims

Entertainment firms have claims, and we understand that you need the right kind of insurance to cover your losses. Here are few of the claims we see.

  • A crew member drops a $15,000 camera in the water.
  • Someone steals a key prop (like a custom auto) used in production.
  • A production set guest trips and falls on cables and sues the production company for medical bills.

We are ready to help you find the right combination of price, coverage, and services.

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..

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!

Lets Get You Covered

The Show Must Go On…MovieInsure Can Help

The epic movie Gone with the Wind cost $4 million to produce in 1939. In 2015 it would not even get you a leading man. The movie and entertainment business has changed over the years. And so have the risks that are involved in creating the next academy award winner.

We offer the complete entertainment insurance package- Here are a few

Cast Insurance– Cast insurance protects against extra expenses (such as salaries and equipment rentals) until production can resume.

Film– Film, videotape and other video or audio media can be easily damaged. Insurance can replace damaged lost or stolen film.

Props– Props, sets and costumes are an important part of any production. They need to be insured. Insurance helps protect against the costs required to repair or replace those sometimes unique items.

Event Cancellation– The coverage is designed to respond to almost many unexpected circumstance that cause the cancellation, abandonment, postponement of the event.

Professional Liability– Your company can be sued for improper use of an image, copy right infringement of a song or script and contract negotiations.

Got An Event? We Have Insurance For That

 Why Special Event Insurance Is Needed

Every promoter or event organizer knows how important to keep the operation running right up to the very end. But bad thing happens, and that is why you need event cancellation insurance. In the event that you have to cancel or postpone your special event due to an unforeseen circumstance, John Hart Insurance can offer event cancellation protection will cover non-refundable deposits and non-reimbursable expenses.

Event Cancellation Insurance/Special Event Insurance from protects production companies from unforeseen circumstances that require the show to be canceled. It would provide funds to cover deposits and other costs that may have already been paid. Unforeseen circumstances could be related to any number of things including weather, construction at the venue, or illness of the featured speaker or entertainer. Policies can be created to protect revenues or expenses for those with insurable interests should an event be cancelled.

Event Cancellation Insurance is an important insurance to consider. If a loss occurs, John Hart will work closely with you to file documents quickly and accurately so your event can go on as planned.

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..

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!

We Know entertainment Insurance

The Value of Entertainment Insurance

No one likes to think about having an insurance claim, but accidents can and do happen. That is why you buy insurance in the first place. Every so often, we like to share examples of the claims that are common in the entertainment industry.

  • A production company was filming a commercial in Los Angeles CA, and the company had $30,000 of equipment stored in a truck. While the production was stopped for lunch, a car hit the truck and most of the equipment was damaged. The driver of the vehicle had no insurance. Fortunately, the production company had property insurance on their equipment and the claim was covered minus the deductible.
  • An event planner scheduled a concert and had presold $100,000 worth of tickets. Three days prior to the event, the venue had a fire. The event planner had Event Cancelation Insurance and had the resources to settle all claims and reschedule the event for a later date.
  • A post production company was hired to produce 10,000 CD’s for a motivational speaker. The CD’s were to be ready for sale prior to a big event the speaker had scheduled. Due to production issues, the firm missed the release time and the speaker sued the firm for lost revenue.

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..

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!

Employee Fraud Prevention

Employee Fraud Prevention

A recent report issued by the association of Certified Fraud Examiners places the cost of employee fraud at 7% of annual revenues. Employers with less than 100 employees saw a median loss of $200,000 according to the ACFE.

Another study performed by the Institute for Corporate Productivity and HR.com showed that 20% of all employers have some form of employee fraud. Both reports state that one of the contributing factors is the current economic downturn. MIC has all the tools to help identify the critical exposures and help design insurance products that meet your needs.

Here are some of the most common types of fraud claims: 

  1. Theft of inventory– This is commonly known as shrinkage of inventory. It is not limited to just materials or goods, it also applies to office supplies and even office equipment.
  2. Vendor kickbacks– Employees set up over payments from vendors then receive payments in cash or in the form of goods, services, or trips.
  3. Padded expense accounts– Employees can pad expense accounts, use fake receipts and even purchase personal items.
  4. Embezzlement– Employees simply siphon off money from a business, by setting up fake accounts, stealing cash, or forging checks they deposit into their own accounts.
  5. Phantom vendors– Employees set up phony businesses and produce fake invoices. This can also be in partnership with a vendor that is paid for work not performed.

 Fraud Prevention Suggestions

  • Complete background checks on all employees
  • Separate duties; split up check writing and deposit responsibilities
  • Require two signatures on checks over $250
  • Add a third person to reconcile books
  • Have an outside firm perform an annual audit
  • Hold employee training on policies and procedures
  • Install video cameras in warehouses and parking lots
  • Review your employee dishonesty coverage annually

 

 

 What Is Risk Analysis And Why Is It So Important?

 What Is Risk Analysis And Why Is It So Important?

The term risk analysis tends to sound like a complicated thing. But simply put, risk analysis is a review of the things that might create a loss for you, your family, or business.

Why Is This important?

You have so much invested in your family, home, and business. You need to have an understanding of things that might happen, which will create a negative impact on your family and business.

What Role Does Your Agent Play?

Your agent will be your guide, consultant, and advisor through this process. It is important that you have an agent who is not interested in selling you insurance. Your agent needs to educate you on your risk, offer options, and work with you to make sure you are correctly protected.

If your agent does not understand or is not interested in this process, you will be left with inadequate protection.

If your agent offers an off the shelf homeowners policy, without asking questions and educating you might get stuck in the event of a claim. For example, you have a fire in your home and have to move out for three months during reconstruction. You will need a loss of use coverage to help offset temporary housing and other related costs. Most policies have a set amount, but your situation may call for more coverage.

We Help Make The Complex Simple

We offer a series of questions to help our clients understand their risk and what options they have to manage them, based on their individual situations.

We educate our clients so they can make informed decisions. For example, if you are renting out a part of your home, you will need special insurance, as your homeowner’s policy excludes operating a business out of your home.

If you own a home and have other financial assists, you may need a personal umbrella policy. This protects you against litigation or claims where your primary coverage is exhausted.

Let’s start a conversation on how we might be able to educate you and design an insurance program that fits your individual needs.