Category Archives: Film Insurance

Stunt Insurance Is What We Do

Stunt Insurance

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.

Check out our other sites

Eventinsure.net

Stuntinsure.com

Drone-liability.com

What is going with Entertainment Insurance?

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

Movie Insure Can Help Reduce Your Risk

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.

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!

 

Movie Insure Offer Sound Insurance Advice

An Entertainment Insurance Update

When it comes to entertainment insurance, you want to be adequately covered if you do have a claim, but you do not want to pay more than you should.  We recommend that you call us before your insurance policies renew, so we can shop the market and compare options for you.

  • Review your deductibles and limits – Are they adequate for your needs?
  • Use an independent agent – Independent agents can access many different insurance companies and select the one that offers the best combination of coverage, service, and pricing.
  • Do not buy insurance on the internet – Call us so that we can provide you with outstanding service along with competitive pricing.
  • An umbrella, or “excess,” policy kicks in where your liability coverage for your business ends, and is a necessity if you have any assets to protect. A $1 million umbrella is common, but $2 million is more realistic these days.
  • Set the right deductible – A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident.
  • Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy. The insurance company should have an “A+” rating or higher.

Call us today and let us help protect what is important to you. 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!

General Liability For Entertainment Businesses

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.

General Liability Insurance should be the foundation of your entertainment insurance program. General Liability Insurance provides the following coverage:

  • Bodily Injury– Bodily Injury to a third party.
  • Property Damage– Damage to a third parties property (equipment building etc.).
  • Personal Injury– Injury to the mind or emotions, as opposed to an injury to property.
  • Advertising Liability– Damages arising out of advertising, libel, slander and invasion of privacy.
  • Products & Completed Operations– Liability arising out of the Nonprofits products or business operations and services conducted, excluding Professional services.
  • Premises-Covers liability arising out of injury to third parties while on your premises.
  • Medical Payments- A general liability coverage that reimburses others, without regard to the insured’s liability for bodily injury while on your premises.

General Liability Insurance is designed to cover defense costs as well as judgments. It is an important part of your insurance program that we recommend for 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 Property Insurance For The Entertainment Industry

Commercial Property Risks

No two entertainment businesses are alike. That is why you need an insurance program designed specifically for your business. When it comes to managing your property, there is nothing better than having an agent with a deep understanding of your risks, the market, and the qualifications to design a program to meet your needs.  Our main focus is always to design a property program that addresses your current and future risks.

Your Property Risks Are Real

  • Business interruption
  • Loss of use
  • Damage to buildings and special equipment
  • Loss of Income
  • Production delays
  • Damage to reputation

Proven Solutions

  • Policy review and coverage audit
  • Broad range of insurance markets with the ability to place coverage locally, nationally, and internationally if necessary
  • Review of limits and deductibles to make sure your program is designed to maximize your goals
  • Cost benefits of alternative financing options
  • We will review your vendors to determine if you have contractual liability that might impact your property risks.

We maintain relationships with underwriters who are specialists in the commercial property insurance arena, and we consistently monitor the marketplace for new and innovative underwriters. We will evaluate your specific business needs and make personalized recommendations for your business.

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 Insure Drones

Unmanned Aerial Vehicles (UAV’s), affectionately referred to as “Drones”, are revolutionizing the Aerial Photography and Film industry as we know it. Getting Drone insurance is a vital component in protecting the “Owner/operator” of the aircraft, the production company that hires the pilot, and the public at large.

There are hundreds of models of drones with a wide range of weight, speed, payload, and technical features including “auto-return” and GPS. Drones are used in more than film and movie productions. Agriculture, security, real estate and of course the obvious.

The technology has been evolving faster than the insurance industry, making it difficult for underwriters and insurance carriers to properly price the risk and make the coverage affordable and available to marketplace.

Liability Issues with Drones

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

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

Will My Insurance Cover Drone Operations?

Most entertainment insurance policies exclude drones, so a separate aircraft policy will be necessary.  Aviation is a litigious environment. You may not consider what you are doing to be dangerous, but you can expect the plaintiff lawyers to knock on your door if you ever damage property, let alone injure someone.

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: 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.

Drone-Liability.com is a site designed to help drone owner/operators find insurance. Drone-Liability.com is owned by Movieinsure.com, Inc.

What Is Event Cancelation Insurance?

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

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 cancelled, you still may have legal and financial obligations. If you are holding a concert, comedy show or other 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 cancelled 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 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 Selecting A Broker For Your Entertainment Business?

We are an independent agency. This means we don’t work for any one specific insurance company. We have access to many markets, giving us the ability to shop your account and search the market for the best option for you. With captive insurance agents, like the big national companies, you only get the guidance of one company that sells one brand of insurance. With an independent insurance agent, you may get as many as five choices or more.

If you are looking for a new broker we suggest asking these questions as part of your review process:

  1. Which insurance company do you recommend?

Answer- We work with a number of companies and only recommend the ones that provide the best possible combination of coverage, price and service.

  1. Do you have experience in my industry?

Answer- We have experience in the entertainment industry and specialize in commercial insurance, workers’ compensation and employee benefits. If fact, we only work in th entertainment industry.

  1. What other services do you offer besides insurance placement?

Answer- We offer a number of other services including claims assistance, certificate reviews, and workers’ compensation. We also utilize our carrier’s safety and loss control when needed.

  1. What sets you apart?

Answer- Each company has its own circumstances which dictate what would be needed to safeguard the years of hard work in building a successful enterprise. We will guide you through different scenarios to see what effects it would have on your business and what solutions are available. Our mission is to give you the peace of mind that your company and personal assets are properly safeguarded.

  1. Give us examples of how you might improve our program.

Answer- We would complete a review of your current insurance program and compare that with your operational exposures. We would identify any gaps in coverage and make recommendations.

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.

Is Your Entertainment Insurance To Expensive?

We offer several proven methods of reducing entertainment insurance premiums without affecting coverage.  We can review your insurance program to determine if there are ways to reduce costs, and we are ready to help you work through the process.  Here are six premium reducing methods we can recommend for you to consider.

Business Insurance

Merge insurance policies — Consolidating auto, property, and liability insurance under one policy can provide “package” credits.

Automobile Program — Make sure all your commercial vehicles are “classified” correctly. For example, having a pick-up classified as a commercial delivery truck can increase costs. Consider self insuring physical damage coverage on certain vehicles.

Workers’ Compensation — If you have had large losses, it could be beneficial to have a third party medical bill review completed.

Increase Deductibles — Consider increasing your property deductible to $5,000 or even $10,000.  Also, think about increasing auto deductibles on older vehicles. If your losses are low, over time you might save enough in premiums to pay for future losses.

Have us complete an audit of your entire program — We can evaluate exposures your company has, and discover what options would be best for your individual needs. We can become a second set of eyes to uncover exposures not currently addressed.

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!