Category Archives: Film 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!

 

Is Your Business Hiring This Summer?

Many businesses today offer college students the opportunity to hold a summer intern position. These can be rewarding for the college student as well as provide some help to the business. Offering paid or non-paid internships can create risk for your business.  We wanted to highlight some of the business risks associated with having interns.  Before you bring that person on board, make sure your business is well prepared.

  • You should have a written plan. It should include a job description, hours, and line of authority.
  • Check to see if there are any state regulations that might be impacted.
  • If you offer a paid internship, you will need to treat the intern like any other employee.  We suggest having a formal agreement indemnifying the terms of the agreement, including the time period of the internship.
  • If the internship is a paid position, don’t forget about workers’ compensation.
  • Make sure you comply with Healthcare Reform relating to employee benefits.
  • Make sure the intern understands they are not entitled to “regular” company benefits, i.e. retirement, insurance, vacation, etc.
  • The internship must provide similar training that would be given in an educational environment.
  • There must be a “true” benefit for the intern.
  • The internship cannot be for the sole benefit of the company.
  • The intern must not replace regular employees and should work under the close supervision of existing staff.

Unpaid internships for for-profit companies are subject to the U.S. Department of Labor’s Fair Labor Standards Act. There are provisions if you offer educational credit.  Here is a link to the U.S. Department of Labor.

We recommend you check with the department of labor to make sure your program meets all of the requirements.  There have been many businesses who have been sued as a result of improper internship programs.

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!

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!

Why Use An Independent Agent?

Everyone has seen insurance advertisements that feature a lizard, a man who creates trouble and a woman in white trying to sell you insurance. These ads may be entertaining, but how in the world can you tell these companies apart? What are the differences?  Is one company better than any other?  Will the coverage, price, and service meet my needs?

There are two distinct kinds of agents in the United States; Independent agents/brokers and direct writers. Let’s define these for you.

Independent Agents

An independent agent is a business that is owned and operated by local business professionals. Some larger agents may have a board of directors and many partners, but usually, the ownership is local and independent. These agents offer many different insurance products through many different insurance companies. Independent agents sell the products that most appropriately meet the needs of their clients. Independent agents typically are very well trained and knowledgeable of the complexities of the insurance market and insurance law.

Most independent agents have multiple companies from which to shop your insurance needs. More markets make it more likely that they will find the exact fit for your specific situation. It also allows for greater competition, which benefits the client.

The goal of the independent agent is to provide the best possible combination of coverage, price, and service. For example, independent agents have experience in understanding what services insurance companies offer and can match unique services with client needs. Not all insurance companies are alike.

Direct Writers

A direct writer is an agent who distributes policies for only one insurance company. Examples of these companies include Farmers Insurance, State Farm Insurance, and Allstate Insurance. Direct writers are agents paid by the insurance company and cannot utilize the entire insurance market.

If your roof needed replacement would you go to just one roofer for a quote?  Would you hire a roofer because their ads are funny?  Wouldn’t it make good financial sense to go to more than one roofer to get options and pricing comparisons?

The value of the insurance you buy genuinely is established when and if you have a claim. Independent agents advise and help clients through the claim process. Direct writers are working for the insurance company and may not always have your best interests in mind.

As common industry phrase is: independent agents/brokers work for the customer, direct writers work for the company. Enough said!

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!

 

What Is Included In A Commercial Auto Liability Policy?

Do you operate an entertainment business that requires you to have a vehicle to deliver your goods and services to your clients?  Do you have a fleet of delivery trucks that are on the road 24/7? Small firms who own or operate vehicles have the same risks as large firms.  You are at risk of losses arising out of accidents which can damage your vehicles and cause injury to third parties and employees.

Commercial auto Insurance can provide your firm with security and protection from devastating liability claims arising from an accident involving your vehicle.  Commercial auto Insurance is usually offered on vehicles owned by a business and can include:

  • Bodily Injury Liability – Coverage for damages that involve bodily injury to third parties for which you become legally liable under the law.
  • Property Damage Liability – Coverage for damage to the property of others.
  • Medical Payments – Coverage for reasonable and necessary medical expenses for those who are accidentally injured while in your automobile or while getting in or out of your automobile.
  • Personal Injury Protection – Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any guest injured while in the vehicle.
  • Comprehensive – Protection for the loss of, or damage to, your vehicle and its equipment from all causes except collision, subject to the terms and conditions on the policy.
  • Collision – Protection for the collision damage to your automobile and its equipment, subject to the terms and conditions of the policy.
  • Uninsured Motorist – Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance and is legally liable.
  • Underinsured Motorist – Coverage will enable you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
  • Hired Auto Liability Coverage – Covers liability for automobiles hired under contract on behalf of, or loaned to, the named insured.

Whether your company needs to purchase Commercial Auto Insurance on one vehicle or a fleet, there are solutions for 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!

We Can Insure Your Next 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.

The Kind Of Insurance You may Need

  • 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 normal 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 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!