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!

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!

MovieInsure Adds Value To Your Entertainment Company

MF stunt33Entertainment Insurance

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!

These Days It Pays To Have Higher Liability Limits On Your Entertainment Business

xcdeEntertainment or production firms are not immune from large lawsuits. Large claims involve; injury or deaths on sets, copyright issues, cancelled events, talent contracts, and more.

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

Here is one example. While shooting an advertisement on a California highway an auto accident caused injury to two production members and a third party. The crew were covered under workers’ compensation but the by stander was not. The third party sued the production company for $2,500,000 in damages.

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. 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!

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!

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

Heat Stress Prevention For The Entertainment Industry

As summer approaches, workers all over Los Angles and the rest of the country will experience the risk of heat stress.  Heat stress is especially prevalent in the summer months due to climate changes in July and August. Summer is the time when outside performances and other related work increases.

Heat stress is a signal that says the body is having difficulty maintaining its narrow temperature range. The heart pumps faster, blood is diverted from internal organs to the skin, breathing rate increases, and sweating increases, all in an attempt to transfer more heat to the outside air and cool the skin by the evaporation of sweat. If the body can’t keep up, then the person suffers effects ranging from heat cramps to heat exhaustion, and finally to heat stroke.

Workers at risk of heat stress include outdoor workers and workers in hot environments such as set construction, stunt workers, outside theater productions, filming and others. Workers at greater risk of heat stress include those who are 65 years of age or older, are overweight, have heart disease or high blood pressure, or take medications that may be affected by extreme heat.  Source: The Centers for Disease Control and Prevention (CDC)

Prevention Tips

  • Drink water frequently and moderately.
  • Take breaks and rest periodically out of the sun and heat.
  • Eat lightly.
  • Do jobs that are more strenuous during the cooler morning hours.
  • Utilizing ventilation or fans in enclosed areas.
  • Remembering that it takes about 1-2 weeks for the body to adjust to the heat; this adaptation is quickly lost – so your body will need time to adjust after a vacation.
  • Avoiding alcohol consumption. Many cases have occurred the day after a “night on the town”.
  • Wear light-colored, cotton clothes, and keep your shirt on; desert nomads do not wear all those clothes for nothing.

Additional sources: CAN

We will review your entertainment insurance and compare them to your operations to make sure that you have the coverage that matches your risk.  Make sure your workers’ compensation coverage is designed to cover your legal obligations.

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

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