Category Archives: movie insurance

We Have You Covered

 

 

 

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.

Is Your Movie Production Covered?

At MovieInsure.com Insurance Services we focus exclusively on understanding the unique needs of motion picture, television, video, music, film schools and theatrical companies.  This knowledge base allows us to structure a production insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help the client manage the risks inherent to their unique businesses.

Common Entertainment Industry Claims

  • A production company was contracted to complete a film with certain time and budget constraints. The production came in 30% over budget and 120 days late. The production company was sued for failure to perform per the contract terms.
  • An event planner scheduled a concert with an international performer. The event was planned and scheduled, with over 5,000 tickets sold. The performer got sick two days before the event and had to cancel. The event planner had Event Cancelation Insurance and had the resources to settle all claims and reschedule the event for a later date.
  • A production company had $200,000 worth of equipment damaged on set by a sudden wind and hail storm. Insurance provided full recovery.
  • A post production firm was contracted to produce 20,000 DVD’s for the Christmas season. Due to production issues the firm missed the release time and the owners of the DVD sued the firm for lost revenue.

We can help you design an insurance product that meets your individual needs. 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.

 

Shooting A Commercial In L.A…? You need Insurance

Shooting A Commercial In L.A…? You need Insurance

Every day in Los Angles there are literally dozens of production companies shooting, commercials, training films, full length motion pictures and documentaries. All these activities bring with them unique risks that should be insured. And when it comes to entertainment insurance.

Here is a short overview of what insurance you might consider:

  • Rented Equipment
  • Owned Equipment
  • Cast Coverage
  • Props, Sets and Wardrobe
  • Negative & Faulty Stock
  • Third Party Property Damage
  • Extra Expense
  • General Liability
  • Automobile Liability and Physical Damage
  • Workers Compensation

Once a film, television pilot, commercial, or 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 you’re working on.

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!

 

Insurance Plays An Important Role iIn Movie Productions

Insurance Plays An Important Role iIn Movie Productions

Insurance can help keep any production on track, especially after a loss. 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 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!

 

Production Completion Bond Coverage

Production Completion Bond Coverage

Many films and production has a written contract that guarantees production will be completed on time and on budget. Completion Bonds are also going to be required by a studio, bank, individual, or investor who is providing funding for the production.

A Production Completion Bond steps in if your production can’t be completed. These bonds are written by a special group of insurance or bonding companies. The bonding company will finish the film, or your investors can redeem the bond for cash, subject to bond terms and conditions. The bonding company can’t guarantee the production will be a “success” but rather it will be completed.

Before the Completion Bond can be executed by the bonding company, the following will need to be provided.

  • Budget
  • Total production costs
  • Contingency funds
  • Shooting schedule
  • Script
  • Cast
  • Resumes of key crew
  • Review of project financing
  • Insurance

The bond company will then decide to guarantee or not to guarantee the production. If they decide to guarantee the production they may want to monitor the production through to completion. If the bonding company determines that the production will not meet its obligations, it could place a representative on site to review daily operations. The standard premium is around 6% of the amount financed. In reality this percentage is negotiable, especially if you have experience and have been under budget and on schedule for other productions.

Of course the larger the production the more detailed information will be required by the guaranteeing company.

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!

 

Rental House Coverage for the Entertainment Industry

Rental houses and other post-production facilities are an important part of the entertainment industry.  These locations all have unique exposures that need to be insured.  Our agency has the markets for this type of risk, and can offer you many options for your rental house insurance.

The Rental House program provides insurance for companies that supply the entertainment, sports and leisure industries with the equipment and/or support services.

The Rental House program is designed for entities continuously engaged in the business of renting equipment to the entertainment, sports and leisure industry. These companies may provide production equipment such as cameras, lighting, sound, props, sets, wardrobe, trailers and more. They may provide equipment for special events such as props, sets, furnishings and more. They may provide various types of equipment to the sporting industry.

This program is flexible enough to fit the needs of small rental houses up to major national chains. In addition, the program may also be used to cover entities that provide installation and similar activities.

What Kind of Coverage Do Rental Houses Need?

  • Commercial General Liability
  • Umbrella
  • Workers’ Compensation
  • Crime Coverage
  • Equipment Breakdown Coverage
  • Property of others in your care
  • Commercial Business Automobile
  • Commercial Property
  • Earthquake or flood insurance
  • Business Interruption
  • Entertainment Property Floater

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 Offers The Right Kind Of Insurance

Here is a list of how help you keep you production on time and on budget

We work with many different kinds of entertainment firms; we have a great line up of entertainment insurance stars that are sure to keep your entertainment company strong!

Producers Errors and Omissions – Covers the legal liability and defense for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters, plots, plagiarism, unfair competition.

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

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

Short Term Entertainment Insurance – This is the same quality insurance for those productions that are only a few days or weeks.

Stun Insurance– Many productions use stunts while filming their movie, commercial, or short film. Even training films often include stunts as part of the production.

Cast Insurance– Cast coverage is intended to reimburse the production company for extra expense to complete the production due to the death, injury or sickness of any insured artist(s). Coverage can be expanded to include illness, but only after the individual is medically examined. At that time the insurer will extend coverage to include illness. Coverage can also include kidnapping of any 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.

Property Insurance– If you have special cameras or other expensive equipment. We can offer replace cost insurance 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!

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

We Help Young Producers

We Help Young Producers

The epic movie Gone with the Wind cost $4 million to produce in 1939. In 2018 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.

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, postproduction, 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

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 any unexpected circumstance that causes the cancellation, abandonment, postponement of the event.

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

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 have 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.

Entertainment Insurance You Got To Love It

Most of us would never say we love our insurance. In fact, most clients don’t even read their business insurance policy. Maybe after you read this story you may have a different opinion.

Know Your Business Liability Coverage

  • Bodily Injury–Bodily Injury to a third party.
  • Multimedia Production E&O -Provides Producers & Distributors E&O Coverage.
  • Property Damage–Damage to a third party’s 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, or invasion of privacy.
  • Short-Term Productions – Provides the full spectrum of insurance coverages at competitive premiums for productions with budgets of less than $1,000,000 and duration up to 60 days.
  • Foreign Productions – Provides the full spectrum of insurance coverages at competitive premiums for foreign productions of any budget, up to 12 months in duration. Single Production and multiple productions (annual policies) are available.
  • Products and Completed Operations–Liability arising out of the Nonprofit’s products or business operations and services conducted, excluding professional services.
  • Premises–Covers liability arising out of injury to third parties while on your premises.
  • Rental Houses -The Rental House program provides insurance for companies that supply the entertainment, sports and leisure industries with the equipment and/or support 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 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  – We Are Independent

 We are an independent agency. This means we don’t work for any one 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 might get up to eight choices. There are a number of benefits to working with us:

  • John Hart Insurance specializes in the film and production industry that is all we do. We know and understand your industry.
  • 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
  • John Hart Insurance. is your one stop shop; we offer a complete line of insurance
  • Our staff is qualified and trained to explain coverage in understandable language
  • We can review coverage and make necessary changes based on your needs

When you work with us, we will give you unbiased advice.  As an independent insurance agent w,e 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 policy holders. We can narrow your options down and help you choose between the best insurance companies in the market.

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!

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