Category Archives: movie insurance

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!

Who Covers Your Equipment?

Your entertainment company may own specialized equipment, like cameras, props, sets, or other production equipment that you take on location. You also may have a need for special floater coverage for a short period of time or as part of your overall insurance program. No matter what the case we can help with the best possible combination of coverage, price and service.

Entertainment Equipment Floater

  • Coverage is available for a wide variety of property, during production or while in your care, custody and control.
  • Property located on or off your premises.
  • Property in transit.
  • Coverage generally can be provided for risk of direct physical loss, including earthquake.

Types of Equipment Covered

  • Cameras
  • Production equipment
  • Sound equipment
  • Theatrical equipment
  • Editing equipment
  • Musical instruments
  • Other misc. equipment

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!

 

Professional Liability Insurance For Producers

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..

Advantages of an Independent Agent

Advantages of an Independent Agent

When you work with us, we will give you unbiased advice.  As an independent insurance agent, we are very knowledgeable about all the companies that exist in the marketplace. We know which companies have the best track record when it comes to pleasing their policyholders. We can narrow your options down and help you choose between the best insurance companies in the market. Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.

There are a number of benefits to working with us:

  • We will work with you to make sure your claim is processed to your satisfaction
  • We provide a number of coverage options
  • Are not obligated to any one company
  • We search the market for the best combination of price and coverage
  • We are committed to exceeding your expectations
  • You are who we answer to, not a board of directors in NY
  • We are licensed professionals with strong customer and community ties
  • Our staff is qualified and trained to explain coverage in understandable language
  • We can review coverage and make necessary changes based on your needs

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!

 

 

How To Insure Your Employees In The Entertainment Business

How To Insure Your Employees In The Entertainment Business

Workers compensation is a no-fault system of benefits provided by States to most workers who have job-related injuries. If your company has employees, you are required by Alaska law to buy workers’ compensation insurance. Sole proprietors with no employees and approved self-insureds are not required to carry workers comp insurance. Your employees should be covered for any work-related injury or illness.

One question we often get asked is, what is an employee? An employee can be a full-time or part-time person, working on behalf of the company. Temporary and seasonal staff can also be defined as employees. Many people seem to think that just because someone isn’t a full-time employee they don’t need to have workers’ compensation coverage. Not true. Under all these cases you are required to have workers’ compensation insurance.

The way you pay your employee does not impact whether or not they are considered an employee. You can 1099 somebody and have him or her withhold his or her own taxes and you are still required to carry workers’ compensation coverage on that person. Don’t confuse tax laws and workers’ compensation laws. These laws and statutes are completely unrelated.

Here are a few additional tests to determine the employer/employee relationship:

  • Do you control the workplace?
  • If the person takes direction from ownership or management they are employees.
  • Do you supervise them?
  • Is their time controlled (lunch, breaks etc.)?

What about independent contractors?

An independent contractor is someone who owns their own business, so they control their own working hours. They control how they get the job done. They are the people to which you give a project, they return a completed project, and they are usually completely unsupervised by you. So, if you have someone who fits into this definition, you probably don’t need to carry workers’ compensation coverage on that person.  However, it is always a good idea to call is to help you review each situation.

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!

 

 

Your Entertainment Business May Need More Commercial Insurance

Your Entertainment Business May Need More Commercial Insurance

We live in world where lawsuits are common. Private firms are no longer immune from litigation from employees, competitors and even the government.  Management or professional liability insurance is not just good business; it is as necessary as heat and lighting for your office. Statutes, federal and state laws change on a regular basis, so it is vital that your company protect its assets with management or professional liability insurance.

Issues to Consider

  • General Liability Insurance does not cover the risks of Employment Liability, Professional Liability, and Directors and Officers Liability. You need a separate insurance policy to cover these risks.
  • Defense costs are going up at a rapid rate. Insurance can provide needed defense coverage, even if you are not liable.
  • Company owners can be held personally liable for their actions as well as the actions of other managers or executives.
  • The cost of the average Directors and Officers lawsuit is over $600,000 according to Chubb Insurance Company. 38% of these claims involve employment issues.
  • 25% of private firms had some sort of employment issue that could not be resolved without legal counsel involvement. The average defense costs are $250 per hour.
  • Many firms fail to purchase Cyber Insurance. However, the average cost of each compromised record is around $175.00. Most states have laws requiring notification if you have had an incident.

The best thing you can do is call our office and have us provide you with a risk review including coverage options. Once you have had a chance to review coverage and pricing, then you can make an informed decision.

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!

 

 

Is Short Term Entertainment Insurance Available?

Your firm may be embarking on a short term project that requires special or unique insurance coverage. John Hart Insurance can help you with this coverage. Many filming locations require that you present them with a certificate of insurance, naming them as an additional insured, before they allow you on the property. You may need to rent very specialized equipment that requires insurance. All these issues can be managed through the proper kinds of insurance products.

Our short term coverage can include:

General Liability – General Liability protects against claims of bodily injury or property damage and personal injury arising out of filming activity.

Third Party Property Damage – Covers damage to property in your care. For example, a building in which you film a commercial.

Owned & Rented Equipment – An equipment floater may be needed to insure property that moves from location to location.

Workers’ Compensation – Covers injury to employees while on location or on the job at any site.

Set and Prop Coverage – Property coverage in case sets or props are damaged.

Non-Owned and Hired Auto – Insures you from liability arising out of using or renting a vehicle that you do not own.

Excess Liability Insurance – Provides additional Liability protection over the General Liability and Non-owned/Hired Automobile Liability.

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!