Category Archives: Film Insurance

Does Your Production Involve Animals?

DeerRoadAnimals have been used in movie-making, advertising, documentaries, print, and various production functions since the early days of the industry.  The American Humane Association has worked for many years to protect animals in films. This confirms how important animals are in movies, TV, documentaries and other productions.

Animal Mortality insurance will pay an agreed value for your animal actors if it dies from any accidental or natural cause. This coverage protects you against loss as a result of a variety of perils, including fire, lightning, windstorm, hail, theft, collision, upset while in transit, accidental shooting, and drowning.  Plus, it pays the agreed value of the animal actor if death was caused by one of the perils listed on the policy.

How it Works…it is simple

We get the resumes on the animal actors and their wranglers.  We can then write Animal Mortality coverage (life insurance) on the animals for a predetermined value.

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.”

Food Safety Lessons From Chipotle

Risk ManagementBy now we have all heard about the food safety issues facing the Chipotle restaurant chain. Getting sick while eating out is actually a very common occurrence, and with Chipotle under the microscope, they may now actually be one of the safest places to eat. According to (foodpolitics.com) the main issue at Chipotle was linked to E. coli. The most recent CDC report (December 21) counts 53 cases of E. coli 026 from 9 states, with 20 hospitalizations.

Your entertainment company, or special event may have a food exposure. Here are a few tips to keep help you. 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.

Entertainment Food Safety Tips

  1. Keep the kitchen clean.
  2. Require all employees to wash hands before working in the kitchen.
  3. Require employees to wash hands after using the restroom.
  4. Make sure all food workers are properly trained.
  5. Wash all produce.
  6. Keep meats separated from other food.
  7. Cook all foods at appropriate temperatures.
  8. Toss out old food every Friday from the office kitchen.
  9. State and county health departments are the direct enforcers of local, state, and federal health regulations. When operating a commercial kitchen, it is important to know the local health codes to avoid fines and prevent foodborne illness outbreaks.
  10. If you are having an office party, you may want to consider purchasing foods.
  11. Proper cleaning and sanitizing of all food contact surfaces and utensils will reduce germs.
  12. Clean all food equipment daily.
  13. Never let food sit out for long periods of time.

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

 

Does Your Production Involve Animals?


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Animals have been used in movie-making, advertising, documentaries, print, and various production functions since the early days of the industry.  The American Humane Association has worked for many years to protect animals in films. This confirms how important animals are in movies, TV, documentaries and other productions.

Animal Mortality insurance will pay an agreed value for your animal actors if it dies from any accidental or natural cause. This coverage protects you against loss as a result of a variety of perils, including fire, lightning, windstorm, hail, theft, collision, upset while in transit, accidental shooting, and drowning.  Plus, it pays the agreed value of the animal actor if death was caused by one of the perils listed on the policy.

How it Works…it is simple

We get the resumes on the animal actors and their wranglers.  We can then write Animal Mortality coverage (life insurance) on the animals for a predetermined value.

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.”

Property Insurance For Film & Production Companies

Property insurance is critical to all film and entertainment firms. You have hundreds of thousands of dollars’ worth of equipment that you need to run your productions. The entertainment property policy you purchase has many different terms and we thought it would be good to review.

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.

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

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.

 

Why Film & Movie Producers Need Professional Liability Insurance

From small productions to Hollywood blockbusters, substantial liability claims can arise for video, film and television producers. Even where you have ensured that all necessary clearances have been obtained you never know what will happen. Video Film and Television Errors and Omissions Liability insurance provides you with the peace of mind you need.

What Errors & Omissions insurance does is indemnify producers from lawsuits that may arise from the content of a production, including lawsuits alleging:

  • Invasion of privacy
  • Unauthorized use of titles
  • Failure to obtain appropriate rights for music and film clips
  • Improper handling of unsolicited scripts
  • Unfair competition
  • Professional errors in judgment
  • Infringement of copyright
  • Breach of contract
  • Libel or slander
  • Unauthorized copying of ideas,

This coverage will usually be required by a distributor, broadcaster or financier prior to the release of any theatrical or television production. Production financing will usually not flow until E&O coverage is in force.

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..

Shooting A Film Has Risks

MF stunt33We all love watching the fine work that comes out of 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 risk come rewards. Here are a few of the risks faced by the entertainment industry:

  • Foreign 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 equipment, sets and wardrobes. If equipment, sets or wardrobes are damaged or 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”

Planning a Documentary? Make Insurance Part of Your Planning

pixa fre dsDocumentaries 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 normally 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.

 

 

Benefits of Working with an Independent Agent

There are many reasons why you buy production or movie insurance. But the bottom line is that you buy commercial movie insurance to protect your assets and have claims paid fairly and promptly. You also want competitively priced insurance rates.

Why Independent Agencies Are Better

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

Benefits of Working with an Independent Agent

  1. We represent many different markets. This allows us to bring you the best possible combination of coverage, price and service.
  2. We have the services you need. We offer prompt and professional insurance services. You don’t get a recording or someone in another state. We care about you and will help you solve your problems. We help you the claims process.
  3. We are experienced. Our staff completes regular training on all the insurance products you need.
  4. Locally owned. Our agency is locally owned and operated. It is always better to buy local. You can stop in our office anytime and meet the team that services your account.
  5. Working through an independent agent does not increase your premiums.

Our mission is to serve filmmakers with the best policies their dollar can buy. Movie Insure 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.

 

 

 

 

 

Does Your Production Company Use Sub-Contractors?

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Why Your Risk Just Went Up

There are many reasons why you buy production or movie insurance. But the bottom line is that you buy commercial movie insurance to protect your assets and have claims paid fairly and promptly. You also want competitively priced insurance rates.

The National Labor Relations Board (NLRB) unveiled a new standard for determining which employees are considered employees and which are considered contractors. Over the past few months, most government regulators have been cracking down on businesses that misclassify employees as contractors. These rules may make more businesses responsible for labor law violations committed by contractors and staffing agencies in wage and hour benefits.

Previously, employers were responsible only if they had direct control over working conditions. This ruling will impact temporary staffing firms which currently employ over 3 million people. In some cases, these “contractors” may be deemed joint employees.

Most State governments are cracking down on businesses that try to skirt the employee/employer relationship by identifying certain individuals as contractors. Here is a good test:

The six factors, or questions, in the “economic realities” test include:

  1. Is the work an integral part of the employer’s business?
  2. Does the worker’s managerial skill affect the worker’s opportunity for profit or loss?
  3. How does the worker’s relative investment compare to the employer’s investment?
  4. Does the work performed require special skill and initiative?
  5. Is the relationship between the worker and the employer permanent or indefinite?
  6. What is the nature and degree of the employer’s control?

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.

Should Employees Drive a Company Vehicle Home?

There is no doubt commercial auto insurance can be tricky, especially as it relates to personal use. Do you allow your employees to use a company vehicle for personal use? If so, keep reading. If your employee injures a third party while driving a company vehicle for any reason, in most cases and in most states, your company will be on the hook, even if you did not give permission to use the vehicle.

Here are a few examples of what can happen:

An employee uses the company vehicle to transport their child’s soccer team to a game.

  • An employee’s teenager takes your vehicle for a joy ride.
  • Your employee allows the neighbor to use your company vehicle.

We agree there may be good reasons to allow key employees to use company vehicles for personal use. However, we propose you consider these risk management techniques to help reduce your risk.

Consider the following:

Obtain proof of, and review, the motor vehicle records of the employee and all household drivers.

  1. Complete proper training of the use of the company vehicle.
  2. Complete vehicle safety inspections.
  3. Complete drug and alcohol testing of all employees – including management.
  4. Create driving standards and stick to them.
  5. Do post-accident reviews.
  6. Have annual MVR checks.
  7. Prohibit cell phone usage while driving.
  8. Only allow your employee and his/her household to drive the vehicle.
  9. Require the employee never keep company property inside the vehicle, even if locked.

Did you know that many commercial insurance companies give discounts for combining your property, auto, liability, and even excess insurance into one program?

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..