Category Archives: movie insurance

Seasonal Workers In The Entertainment Industry

Entertainment Insurance update 

Many entertainment companies may be hiring part time workers to fill production needs. For the most part, you will not need to modify your entertainment insurance, but if you add new classifications or payroll, it may affect your workers’ compensation insurance.  Now might be a good time to have us complete a review of all your entertainment insurance policies.

Here are few tips to help you manage seasonal employees

  • Make sure part time employees get the same training as all other employees.
  • Conduct background screenings on part time candidates.
  • Unless the job requires it, it is not a good idea to give seasonal employees access to computers or other secure information.
  • Don’t allow seasonal employees to work alone.
  • Remember the Fair Labor Standards Act (FLSA) requires employers to properly classify workers, pay the legal minimum wage, and pay overtime if applicable.
  • Part time employees should also read and sign the employee handbook.
  • Your business is legally required to carry workers’ compensation insurance coverage, as most fair-employment laws cover seasonal employees.
  • If you notice cliques or bad habits forming, don’t assume that they will self-correct.
  • Employers with 15 or more employees are subject to Title VII of the Civil Rights Act of 1964, the Americans with Disabilities Act, and other federal and state employment laws. This means your seasonal employees, just like your regular workforce, must receive adequate training on what conduct is illegal, how to report it, and how to request a reasonable accommodation.
  • Maintain a detailed account of where each employee works, the kinds of tasks they are assigned, number of hours completed, and their rate of pay.
  • When it is time to end the part time employment, follow the same procedures as you would with a full-time or permanent employee.

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!

 

Umbrella Insurance

Many people are unsure what an umbrella policy is or what it covers. When you are outside and there is a light rain or breeze you generally don’t need or want an umbrella. However, if it is pouring down rain with high winds, you take your umbrella. An Umbrella Insurance policy works much the same way.

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Umbrella Insurance policy protects your operation or production company from losing the entirety of your resource and assets in the event of a large claim. Umbrella Insurance provides limits above your primary commercial insurance program.

We can secure umbrella protection for many exposures including:

  • Short films
  • Foreign productions
  • Recording and editing
  • Film schools
  • Rental houses
  • And more

Here is an example: A production company leases a studio for filming of commercials. During a filming part of the riggings falls on an employee of one of the advertisers causing major injuries. The employee medical expenses are $750,000 and $200,000 for two years of lost work. The production company had a primary commercial liability policy with limits of $500,000 and an Umbrella with a limit of $1,000,000. The Umbrella policy covered $450,000 of the excess claim.

It is true that Umbrella Insurance may not be for every firm, but if you are building financial resources for your company’s future, Umbrella coverage needs to be part of the plan.

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!

Is Your Production Covered?

Broadcaster Magazine recently ran an article outlining top risks in the entertainment industry. We thought it might be good to re-visit some of these. Rapid consolidation, expanding markets, emerging business models and growing consumer demand are taking center stage and creating real turmoil in the media and entertainment (M&E) industry, Ernst & Young says.

The article points out many kinds of risk faced by the entertainment industry, but we thought we would focus on only on the top three, as we see them.

Asset protection risks including piracy and digital intellectual property rights.

Our Solution – Errors and Omissions, 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.

Inability to control costs.

Our Solution – We have access to many of the top markets which creates competition and keeps your entertainment insurance costs down.

Increase climate toward litigation.

Our Solution – Comprehensive Entertainment Liability Insurance, which protects the production company against claims for Bodily Injury or Property Damage Liability arising out of filming the picture. Coverage includes use of all non-owned vehicles (both on and off camera), including physical damage to such vehicles. this coverage will be required prior to filming on any city or state roadways, or any location sites requiring filming permits.

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!

An Entertainment Insurance Update

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!

Does Your Entertainment Business Own Or Rent Automobiles?

Do you operate a production company or other 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 from 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 normally offered on vehicles owned by a commercial 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 – This is 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 equipment from all causes, except collision, subject to the terms and conditions of the policy.

Collision – Protection for the collision damage to your automobile and its equipment, subject to the deductible and terms of the policy.

Uninsured Motorist – This coverage allows you to recover bodily injury damages due to an accident where the other party does not have liability insurance, and is legally liable.

Under insured Motorist – Coverage allows 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. We understand you may have questions regarding Commercial Automobile Insurance and we are ready to help 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 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!

Other Sites

Eventinsure.net

Stuntinsure.com

Drone-liability.com

 

What Coverage Do I Need for My Special Event?

Are you involved in promoting a special event? 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.

What is Special Event Insurance?

There are many different kinds of Special Event insurance. Depending on your event, there is insurance coverage that addresses the specific risks. Special Event Insurance is designed to protect the event sponsors or planners against liability claims associated with the event. Claims can come from participants, vendors, and other third parties. Here are a few of the different kinds of events that require insurance:

  1. Festivals– This kind of event would include a community gathering in celebration of a community leader, special day, or organization. These events often include food and activities consistent with a theme. Festivals are usually held in parks or other public places which creates liability for the event sponsors. Festival Liability Insurance is the perfect solution to help sponsors manage these risks.
  2. Music/Concert Events – Concerts are events where the sponsor is responsible for managing a large or small crowd around both professional and nonprofessional performers and musicians. Concert sponsors have a responsibility to manage crowds, provide security, and deal with the “talent”. Concert Event Insurance is the most effective method to protect against liability that can occur during concerts and other music related festivals.
  3. Holiday Festivals– Holiday Festivals are usually centered around a specific cultural or religious holiday. They can include crafts, food, performers, and even alcohol. Holiday Festivals, like other events, create liability for the event sponsors. Special Event Insurance provides the necessary coverage to protect the sponsors and other liable parties such as the building owner.
  4. Private Business Events– Companies large and small plan and organize client events, employee training, seminars, and parties. Much like weddings, these events create liability to the company organizing them. Special Event Liability Insurance can provide protection against claims that might arise from third parties.

All Concerts, Festivals, or Special Events have common risks that Special Event Insurance can cover. When planning your special event concert, or wedding, the following insurance should be included:

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 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!