Category Archives: movie insurance

Save On Your Entertainment Insurance

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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 continuity of the operation. Entertainment Business insurance can be expensive, so we wanted to give you a few tips in 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!

 

Movie Insure Offers A Wide Range Of Entertainment Insurance

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Whether you seek short term production insurance for your short film, or an annual policy for your feature, documentary, and music video productions, we are able to provide you with the coverage you need. Each client and their projects are underwritten and consideration given to the nature, budget, permits, location, and needs of the film production itself.

Here Are A Few Products We Offer

Multimedia Production E&O–  Provides Producers & Distributors E&O Coverage. Limits up to $5,000,000, coverage term up to 3 years.

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 production (annual policies) are available.

Photographers & Videographers– The Photographers program covers photographers, videographers and DJs that provide their services to public and private functions.

Entertainment Equipment Floater– All risk, worldwide coverage for scheduled entertainment related equipment including Cameras, Production, Editing, Musical, Theatrical and miscellaneous items.

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!

 

Regulatory Issues That Impact The Entertainment Industry

 

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The regulatory climate is always changing for businesses including every firm in the entertainment business.  Almost every month there is some new law, regulation, or statue that your business now must comply with. We want to share a few of the latest regulatory trends to help with your business planning.

  1. The Department of Labor (DOL) is cracking down on employers who misclassify independent contractors who really should be employees. If you are an employer who hires contractors, the DOL has issued new guidelines to help you. If your entertainment firms hire part time production assistants, camera men or others, you need to understand have use review your workers compensation program.
  1. Defense of Marriage Act (DOMA). The federal definition of marriage has changed and employers must modify health insurance and benefits packages to comply with the law
  1. The new workers’ compensation coding system went into effect in 2016. All businesses covered under the Health Insurance Portability and Accountability Act (HIPAA) will be required to use the International Classification Coding Systems (ICD-10) to report injuries and illnesses to the Centers for Medicare & Medicaid Services (CMS).
  1. Whistleblower investigations are on the rise. The SEC’s whistleblower program continues to have an impact on businesses. The single biggest issue has been “Corporate Disclosure and Financials,” which accounted for 18.2% of all submissions.
  1. In response to immigration reform, employers will need to monitor changes to the immigration system that may impact their hiring; particularly Form I-9 procedures and work authorization documentation.

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..

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 Company Needs To Understand These Three Risks

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Entertainment Insurance

Every entertainment business has risks and most professionals have an understanding of their risks. But there are a few business risks that can be addressed by commercial entertainment insurance that you may not have considered.

Business Interruption– The U.S. Department of Labor estimates that more than 40% of businesses never reopen following a disaster such as a fire or flood. Is your business prepared to weather the storm if disaster strikes? If a fire causes your facility to be temporarily unusable, what would you do? To mitigate this risk, consider adding Business Interruption coverage to your Property Insurance policy.

Employment Practices– From the moment you begin the pre-hiring process until the final goodbyes at the exit interview, you are at risk for a lawsuit. In fact, three out of five employers will be sued by a prospective, current or former employee while they are in business. Although many lawsuits are groundless, defending against them is costly and time-consuming. Your business should take a hard look at whether it can afford to defend itself against accusations of wrongful employment practices. Employment Practices Liability that will protect your company against wrongful termination, discrimination (age, sex, race, disability, etc.) or sexual harassment lawsuit.

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.

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..

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!

MovieInsure Adds Value To Your Entertainment Company

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The modern day customer is looking for value, ease of services, and quick responses.  In an era of impersonal internet companies, slick advertising, and “branding,” it can be hard for consumers to determine where to find the best entertainment insurance program for their needs.  To provide the best possible combination of coverage, services, and pricing, you need to look no further than your local independent agent.

Our Approach To Insurance Is Different

The best way to get the entertainment insurance that is right for you is to develop a relationship with your insurance agent.  The good news is that this process is not complicated or time consuming.

  • We respond quickly.
  • We know the entertainment industry.
  • Insurance protects what is important to you, and we understand that.
  • We gain an understanding of your individual needs.
  • We educate rather than sell.
  • Finding the right insurance coverage is an important purchase, because everyone’s needs are unique.
  • Our professional team is trained and licensed.
  • Insurance is too important to be ordered online like a book.
  • Don’t wait for an un-insured claim to happen before you look for the right agent and coverage.

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: 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!

 

Even Small Productions Have Big Risks

pixa fre dsMany 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!

 

Regulatory Issues And The Entertainment Business

The regulatory climate is always changing for businesses.  Almost every month there is some new law, regulation, or statue that your business now must comply with. We want to share a few of the latest regulatory trends to help with your business planning.

  1. The Department of Labor (DOL) is cracking down on employers who misclassify independent contractors who really should be employees. If you are an employer who hires contractors, the DOL has issued new guidelines to help you.
  2. Defense of Marriage Act (DOMA). The federal definition of marriage has changed and employers must modify health insurance and benefits packages to comply with the law
  3. Healthcare is still an important issue for businesses. Open enrollment starts November 2015. Employers with more than 50 employees must offer full time employees an employer sponsored plan.
  4. The Occupational Safety and Health Administration (OSHA) has published a Guide to Restroom Access for Transgender Workers. OSHA’s Sanitation standard requires that all employers under its jurisdiction provide employees with sanitary and available toilet facilities, so that employees will not suffer the adverse health effects that can result if toilets are not available when employees need them. Source OSHA
  5. The new workers’ compensation coding system goes into effect 10.1.15. All businesses covered under the Health Insurance Portability and Accountability Act (HIPAA) will be required to use the International Classification Coding Systems (ICD-10) to report injuries and illnesses to the Centers for Medicare & Medicaid Services (CMS).
  6. Whistleblower investigations are on the rise. The SEC’s whistleblower program continues to have an impact on businesses. The single biggest issue has been “Corporate Disclosure and Financials,” which accounted for 18.2% of all submissions.
  7. In response to immigration reform, employers will need to monitor changes to the immigration system that may impact their hiring; particularly Form I-9 procedures and work authorization documentation.

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!

Why Special Event Insurance Is Needed

bf g65Every 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 John Hart Insurance 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.

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..

Productions “based” in 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 Do Stunt Insurance

MF stunt33Stunt Insurance

We can provide special stunt coverage for many of the productions you are involved in. Producers and production companies can attain coverage for the following… Stunts, aerial scenes, falls, fight scenes, recreational vehicles, water scenes, weapons, precision driving, and animals.

Many productions or even live events make use of stunts during productions. Most traditional film insurance packages will not cover these stunts as they are considered too risky

Here are a few if the stunts that should be insured:

  • Aerial Work – Includes scenic shots from private or commercial aircraft that do not involve aerial acrobatics or other hazardous maneuvers.
  • Fight Scenes – Fight scenes that are choreographed, structured, and sequenced. These scenes may involve physical contact between actors and the use of weapons
  • Animals – Scenes involving the use of animals, such as dogs, farm animals, household pets, and zoo animals
  • Special Driving – Controlled driving on public roads, race tracks, off-road (no racing, skidding, collisions).
  • Use of Weapons – Scenes that involve prop guns, squibs, blanks, knives or other similar weapon

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 production 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 film insurance carrier.

Check out our other sites

Eventinsure.net

Stuntinsure.com

Drone-liability.com

Best Practices for Entertainment Property Losses

Movie Insurance Update

Most every entertainment business owns business property, which may include the building in which you run your operations.  Property insurance protects the physical assets your business owns – such as computers, props, movie sets, camera equipment, office equipment, buildings, furniture, fixtures, and other property.  Every entertainment business should have a comprehensive property insurance portfolio to respond to the many risks associated with property ownership.

We hope to help you indemnify a proactive plan in the event of a fire, theft, storm, or some other kind of damage that might involve your entertainment insurance policy.  There are a number of actions you can do to help get the best possible settlement from the insurance company.

Pre-Loss Practices

  • Maintain vital records
  • Have photos of all buildings, major equipment, etc
  • Blueprints- keep complete sets
  • Property inventories
  • Financial records
  • Appoint key individuals as communicators
  • Have emergency response plan
  • Secondary locations identified

During The Loss

  • Notify the insurer
  • Protect the property
  • Track claim costs
  • Separate budget line items
  • Keep records of all internal and external costs
  • Make temporary repairs
  • Communicate with insurer as to the use of any consultants
  • Meet regularly with the agent and Insurer
  • List and address key issues and concerns
  • Note any changes from original design
  • Will you rebuild or not?
  • What might cause delays?

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

Check out our other sites

Eventinsure.net

Stuntinsure.com

Drone-liability.com