Category Archives: Entertainment Insurance

Short Term Productions Have Big Risks

Many think that operating a small or short term production has little or no risk. The fact is, operating a small production has just about the same risks as any other operation.  Employees can still sue you, your production can become delayed, third parties can claim copyright issues, and more.   Entertainment liability risk is very real for small firms and it is important to have an entertainment insurance program that addresses these issues.

To protect a small production firm from potential lawsuits, entertainment liability insurance is necessary. Policies vary greatly, and they cover different classifications of risks for varying costs.

Entertainment Liability Insurance

  • Bodily Injury – Bodily injury to a third party.
  • Property Damage – Damage to a third party’s property (equipment building etc.).
  • Cast Insurance – Reimburses the production company for any extra expense necessary to complete principal photography of an insured production due to death, injury or sickness of any insured performer or director
  • Personal Injury – Injury to the mind or emotions, as opposed to an injury to property.
  • Products & Completed Operations – Liability arising out of products you sell or business operations and services conducted, excluding professional services.
  • Premises – Covers liability arising out of injury to third parties while on your premises.
  • Professional Liability – 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.
  • Umbrella – Provides excess liability over primary auto and commercial liability policies.

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

 

Movie Insure Can Help Save On Your Entertainment Insurance

The purchase of business insurance is an essential investment for producers and others. Insurance policies protect the business from the financial consequences of accidents and mishaps that could erode profitability and threaten the continuity of the operation. Entertainment Business insurance can be expensive, so we wanted to give you a few tips on how to get the most out of your business insurance purchase.

  • Combine your business auto, property, and liability into one package.
  • Call com, we specialize in the entertainment industry.
  • Take a close look at your policy and make sure you have the coverage you need. There may be coverages you have that you do not need.
  • Look to insurers that offer loss control help. This will help you manage your risk and keep claims as low as possible.
  • Is your deductible too low? You may save more than you think by increasing your property deductible to $5,000 or even $10,000. If you generally have no loses this may save you money.
  • Each insurer is different, but you might save by paying your premium in full upfront.

Commercial insurance is one of the most important products a new business needs. Our agency can help you review your risks and guide you through the process of securing the right combination of coverage and price.

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

 

We Can Insure Your Documentary

Documentaries come in many forms. Some take years to shoot and produce, while others may only take a few months. No matter how big or small, having the proper production insurance for your documentary can be one of the most important things you can have. All the activities associated with filming a documentary bring unique risks that should be insured. And when it comes to movie insurance, Movie Insure has the solutions.

Here is a short overview of coverage you might consider:

  • Rented Equipment
  • Owned Equipment
  • Props, Sets and Wardrobe
  • Third Party Property Damage
  • Extra Expense
  • General Liability
  • Automobile Liability and Physical Damage
  • Workers Compensation

Once a documentary is finished, the next step is distribution. Most distributors will require the production company obtain an Errors and Omissions policy on the production. If you are a distributor, you should always carry your own E&O policy, in addition to requiring each of the productions you distribute to be covered. When purchasing your insurance policies, it is once again important to remember that the amount of coverage you purchase is wholly dependent upon the type of project on which you are working.

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!

Entertainment Risk 101

We all love watching the fine work that comes out of Hollywood and other production companies. If you think about the many risks facing production and entertainment companies, most people might run like Forrest Gump!  But we at Movie Insure know that with risks come rewards. Here are a few of the risks faced by the entertainment industry:

  • Stunts and action scenes. There are times when lead actors want to do their own action scenes. If the lead actor is injured it might lead to long delays in production.
  • Foreign locations. Many productions are filmed outside of the USA. This can lead to safety, cultural and legal issues. Especially if the production is travelling with a full crew and production team.
  • High valued set and wardrobes. If sets are damaged or wardrobes destroyed, they must be replaced. Even under the best of situations, a few weeks delay can cost thousands of dollars.
  • Documentaries or other true stories can lead to creating errors in the truth. While there is always some defense in artistic freedom, it really depends on what was agreed to between the parties involved. Also, rewriting scripts during production can lead to errors in factual information.

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”.

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!

Why We Insure Movies

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. MovieInsure.com  offers a check list for film producers to make sure the right production insurance is in place. 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”.

If you are involved in any of these kinds of productions, you need to have a comprehensive entertainment policy.

  • Television or film productions
  • Commercials
  • Documentaries
  • Music videos
  • Educational films
  • Corporate productions
  • Commercial photographers

These are common risks shared by most productions

  • Cast insurance
  • Production errors & omissions
  • Damage to props and other equipment
  • Copyright infringement
  • Intellectual property
  • Rented and leased vehicles
  • Animal mortality

 

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!

 

Entertainment Business Insurance

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”.

“So you say I have a chance?”

If you are involved in any of these kinds of productions, you need to have a comprehensive entertainment policy.

  • Television or film productions
  • Commercials
  • Documentaries
  • Music videos
  • Educational films
  • Corporate productions
  • Commercial photographers

“I’m gonna make him an offer he can’t refuse”

These are common risks shared by most productions

  • Cast insurance
  • Production errors & omissions
  • Damage to props and other equipment
  • Copy right infringement
  • Intellectual property
  • Rented and leased vehicles
  • Animal mortality

“Carpe diem. Seize the day, boys. Make your lives extraordinary.”

We have over 60 years 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. 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!

Leased or Rented Equipment

Like many organizations, your business may rent or lease equipment from time to time. You may be planning a special event and need a tent to accommodate 250 people as part of a business activity. Or, perhaps you are renting a sound system for a concert, or leasing office equipment such as your copier.  These kinds of events create added risk to the organization.

It is essential to have an understanding of who is responsible for the rented equipment and that your knowledge is consistent with the written agreement. Not all rental arrangements are the same. Some rental contracts will include property damage insurance as part of the rental fee. Other rental contracts may require the business to be responsible for all damage. And finally, some rental contracts may expect you to pay a deductible if there is damage. This can be very confusing especially if you are leasing or renting a high-value item.

There are many important things to remember when considering a rental agreement:

  • Leasing companies come in many varieties, including banks, brokers, equipment specialists, independents, and companies of all sizes. Each has different levels of flexibility and requirements.
  • Understand what the agreement says regarding repairs, maintenance, and upgrades. This applies more to long-term leases rather than short-term leases.
  • It may be in your best interest to insure the equipment separately. It may be more cost effective depending on how the agreement is written.

We offer a number of insurance options if you are involved in renting or leasing equipment. Coverage is available for a wide variety of property while, n your care, custody, and control:

  • Property located on or off-premises
  • Property in transit
  • Equipment held on display in showrooms or at other exhibitions
  • Generally all risk of direct physical loss including earthquake

With our agency, you have the option to customize your coverage, limits, and deductibles. You may even select different deductibles for different coverages.  The bottom line is when you are deciding to lease equipment, be certain you are aware of all costs involved in the transaction. Then, balance the costs against the benefits to make the appropriate choice for you and your organization.

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!

 

We Offer A Complete Range Of Insurance For The Entertainment Industry

We work with many different kinds of entertainment firms. We know and understand your risk and are ready to help your business thrive.

Cast Insurance – Reimburses the production company for any extra expense necessary to complete principal photography of an insured production due to death, injury or sickness of any scheduled performer or director.

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

Props, Sets and Wardrobe – Provides coverage on props, sets, scenery, costumes, wardrobe and similar theatrical property against risks of direct physical loss, damage or destruction occurring during the production.

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

Umbrella Insurance – Umbrella Insurance provides extra protection or limits above the primary liability insurance you currently have.

Extra Expense – Reimburses the production company for any extra expense necessary to complete principal photography of an insured production due to the damage or destruction of property or facilities (props, sets or equipment) used in connection with the production.

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.

Workers’ Compensation – This coverage is required to be carried by State law and applies to all temporary or permanent cast or production crew members.

Comprehensive Liability – Protects the production company against claims for Bodily Injury or Property Damage Liability arising out of filming. Coverage includes the use of all non-owned vehicles (both on and off camera).

Negative Film and Videotape – Covers against risks of direct physical loss, damage or destruction of raw film or tape stock, exposed film (developed or undeveloped), recorded videotape, soundtracks and tapes and software used to generate computer images, up to the number of insured production costs.

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!

All coverage subject to actual policy terms and conditions

We Protect Your Investment With Insurance

California Entertainment Insurance

The epic movie Gone with the Wind cost $4 million to produce in 1939. In 2015, that amount would not even cover the cost of 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. MovieInsure.com Insurance Services produces entertainment insurance that will match your risks. We work with many of the leading insurers in the entertainment industry.

The world is getting smaller, and movies, commercials, and documentaries are being produced all over the world. Digital technology is rapidly changing the landscape of cinematography, post production, and distribution. The entertainment business is much more complex and litigious, creating the need for the right kind of insurance.

We offer the complete entertainment insurance package.  Here are a few of the insurance products we provide:

Cast Insurance – In the event of a production delay, 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, and they need to be insured.  Insurance helps protect against the costs required to repair or replace those unique items.

Event Cancellation – This coverage is designed to respond to almost any unexpected circumstance that causes the cancellation, abandonment or postponement of an event.

Professional Liability – Your Company can be sued for improper use of an image, copyright infringement of a song or script, or contract negotiations.

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

 

Why Insurance Is Needed For Your Production

A few years ago we were all shocked and saddened by the sudden and tragic death of Paul Walker. Paul was in the two-seater Porsche Carrera GT when the car somehow lost control and slammed into a post or a tree, and the car burst into flames. This is a good reminder of the role production insurance plays in the production of movies, films, TV shows and other entertainment productions. There are risks the production company has that can be managed through the proper insurance products. Here is some of the coverage that may apply:

Cast & Crew Insurance

Cast and Crew insurance indemnifies the production company for the loss or extra expenses to begin or complete principal work of an insured production due to death, injury or illness of any insured 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.

Errors & Omissions for Film Producers

Errors & Omissions Insurance for producers offers coverage for a wide variety of entertainment/media risks against lawsuits for libel, slander, invasion of privacy, infringement of copyright and other specified torts. Generally these claims do not involve bodily injury.

MovieInsure.com Insurance Services 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.