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Movie Insure Produces The Right Kind Of Insurance

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

We work with many different kinds of entertainment firms, and we have a motto, “If it is fun, we insure it.” We have a great line up of 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, and 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 take only a few days or weeks.

Stunt 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 expenses 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.

 

Is Your Business Hiring This Summer?

Many businesses today offer college students the opportunity to hold a summer intern position. These can be rewarding for the college student as well as provide some help to the business. Offering paid or non-paid internships can create risk for your business.  We wanted to highlight some of the business risks associated with having interns.  Before you bring that person on board, make sure your business is well prepared.

  • You should have a written plan. It should include a job description, hours, and line of authority.
  • Check to see if there are any state regulations that might be impacted.
  • If you offer a paid internship, you will need to treat the intern like any other employee.  We suggest having a formal agreement indemnifying the terms of the agreement, including the time period of the internship.
  • If the internship is a paid position, don’t forget about workers’ compensation.
  • Make sure you comply with Healthcare Reform relating to employee benefits.
  • Make sure the intern understands they are not entitled to “regular” company benefits, i.e. retirement, insurance, vacation, etc.
  • The internship must provide similar training that would be given in an educational environment.
  • There must be a “true” benefit for the intern.
  • The internship cannot be for the sole benefit of the company.
  • The intern must not replace regular employees and should work under the close supervision of existing staff.

Unpaid internships for for-profit companies are subject to the U.S. Department of Labor’s Fair Labor Standards Act. There are provisions if you offer educational credit.  Here is a link to the U.S. Department of Labor.

We recommend you check with the department of labor to make sure your program meets all of the requirements.  There have been many businesses who have been sued as a result of improper internship programs.

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!

Entertainment Business Insurance

Movies, films, documentaries and short films entertain us and may even bring a tear to our eyes. But for film producers, an uninsured loss can bring tears to their eyes as well.

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 entertainment insurance experience with us as effortless as possible. Simply put, we are “Independent Brokers/Agents” representing you the “client”.

“So you say I have a chance?”

If you are involved in any of these kinds of productions, you need to have a comprehensive entertainment policy.

  • Television or film productions
  • Commercials
  • Documentaries
  • Music videos
  • Educational films
  • Corporate productions
  • Commercial photographers

“I’m gonna make him an offer he can’t refuse”

These are common risks shared by most productions

  • Cast insurance
  • Production errors & omissions
  • Damage to props and other equipment
  • Copy right infringement
  • Intellectual property
  • Rented and leased vehicles
  • Animal mortality

“Carpe diem. Seize the day, boys. Make your lives extraordinary.”

We have over 60 years combined experience in the field of entertainment insurance. We focus exclusively on understanding the unique needs of a motion picture, television, video, music and theatrical companies. Call us today for more information.

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!

Stunt Insurance Can Be A Life Saver

Almost every movie or production has some level of stunt activity. And it is these brave men and women who can make the difference between a good scene and a great scene. Even training films often include stunts as part of the production.  However, many traditional insurance packages don’t automatically cover stunt work. We can provide the right kind of insurance for your production company.

Stunt 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 insurance companies provide special stunt coverage packages for film productions. The insurance company provides quotes per stunts performed during film shoots.

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!

Looking forward to 2018

I hope everyone had a fabulous holiday season and are ready to tackle the new year.  We are adding a few new products to our selection and are working toward a few improvements in our technology.  We hope you find inspiration this year and grow both creatively and financially.

David Karubian

Test Your Entertainment Business Insurance IQ

A Entertainment Business Insurance Update

We don’t expect you to be experts in business insurance, but we thought it might be fun to test you on what you do know about your entertainment insurance. Business insurance is designed to cover unexpected losses. We can offer a wide range of business insurance options, so please call our office today.

Business Insurance Quiz (answers at the end)

  1. Your deductible is the amount you are responsible for if a covered loss occurs.

True       False

  1. Flood and earthquake coverage are always part of your business property coverage.

Ture       False

  1. Cyber Insurance is protection against losses caused by hackers from businesses dealing strictly in e-commerce, but it does not exist.

True       False

  1. Business Interruption covers your lost income no matter what kind of loss closes your business.

True       False

  1. My employees are prohibited from suing me, as this would be a workers’ compensation claim.

True       False

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!

Answers

  1. True-
  2. False- You need to add this coverage under a separate policy
  3. False- Cyber insurance can be purchase by all business
  4. False- Business interruption only applies to covered losses under the policy
  5. False- Your employees have rights under federal and state laws to sue you if they feel they have been wronged. You would need employment practices liability insurance in order to protect you and your business from employee lawsuits.

Did You Make These Mistakes With Your Entertainment Insurance?

Business Insurance 101

We work with hundreds of businesses and help them manage their commercial insurance programs. Our team recommends coverage and risk options as part of our regular services. Over the years, we have seen some businesses make preventable mistakes when considering their insurance coverage.  We thought it would be good to share these with you.

Entertainment Insurance Mistakes

Mistake: Assuming you do not need an agent.

Your agent can provide valuable services including educating you on what coverage you need and may not need.  Your agent can search the market for the best possible combination of coverage, price and service.

Mistake: Thinking that your policy covers all losses.

Your business insurance policy is intended to cover unexpected losses and accidents subject to the policy terms.  There are limitations and exclusions in every policy.

Mistake: Assuming that the lowest price is the best option.

It may be that the lowest priced insurance excludes needed coverage.  Your agent can help you determine the best coverage option for you.

Mistake: Not including cyber liability, employment liability, and professional liability in your business insurance program.

In today’s litigious climate, all businesses need to be protected with this 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: 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!

 

The Movie Business Can Be Risky

We all love watching the fine work that comes out of Hollywood and other production companies. We at Movie Insure know that with risks come rewards. Here are a few of the risks faced by the entertainment industry:

  • Stunts and action scenes. There are times when lead actors want to do their own action scenes. If the lead actor is injured it might lead to long delays in production.
  • Foreign locations. 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 set and wardrobes. If sets are damaged or wardrobes 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.

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!

 

Are You In Love With Your Entertainment Insurance?

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 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 production (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!

 

Insurance For Drones Needs To Be Part Of Your Entertainment Insurance

drone-674238_1920Drones and Entertainment Insurance

Recently the Federal Aviation Administration (FAA) released updated guidelines on the use of drones for commercial use.  Many entertainment businesses are using, drones as part of their productions.

Here is a link to the FAA rules

Here is What You Need to Know

  1. Drones must weigh less than 55 pounds, and operation must be less than 400 feet above ground.
  2. Drones must be in your line of sight at all times.
  3. Operation must also be within 3o minutes of sunrise or sunset.
  4. Operators need to obtain a pilot certificate with the US Airspace by passing an aeronautical test.

Will My Insurance Cover Drone Operations?

Most entertainment insurance policies exclude drones, so a separate aircraft policy will be necessary.  Aviation is a litigious environment. You may not consider what you are doing to be dangerous, but you can expect the plaintiff lawyers to knock on your door if you ever damage property, let alone injure someone.

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!