Does Your Production Involve Animals?

DeerRoadAnimals have been used in movie-making, advertising, documentaries, print, and various production functions since the early days of the industry.  The American Humane Association has worked for many years to protect animals in films. This confirms how important animals are in movies, TV, documentaries and other productions.

Animal Mortality insurance will pay an agreed value for your animal actors if it dies from any accidental or natural cause. This coverage protects you against loss as a result of a variety of perils, including fire, lightning, windstorm, hail, theft, collision, upset while in transit, accidental shooting, and drowning.  Plus, it pays the agreed value of the animal actor if death was caused by one of the perils listed on the policy.

How it Works…it is simple

We get the resumes on the animal actors and their wranglers.  We can then write Animal Mortality coverage (life insurance) on the animals for a predetermined value.

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.”

Food Safety Lessons From Chipotle

Risk ManagementBy now we have all heard about the food safety issues facing the Chipotle restaurant chain. Getting sick while eating out is actually a very common occurrence, and with Chipotle under the microscope, they may now actually be one of the safest places to eat. According to (foodpolitics.com) the main issue at Chipotle was linked to E. coli. The most recent CDC report (December 21) counts 53 cases of E. coli 026 from 9 states, with 20 hospitalizations.

Your entertainment company, or special event may have a food exposure. Here are a few tips to keep help you. 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.

Entertainment Food Safety Tips

  1. Keep the kitchen clean.
  2. Require all employees to wash hands before working in the kitchen.
  3. Require employees to wash hands after using the restroom.
  4. Make sure all food workers are properly trained.
  5. Wash all produce.
  6. Keep meats separated from other food.
  7. Cook all foods at appropriate temperatures.
  8. Toss out old food every Friday from the office kitchen.
  9. State and county health departments are the direct enforcers of local, state, and federal health regulations. When operating a commercial kitchen, it is important to know the local health codes to avoid fines and prevent foodborne illness outbreaks.
  10. If you are having an office party, you may want to consider purchasing foods.
  11. Proper cleaning and sanitizing of all food contact surfaces and utensils will reduce germs.
  12. Clean all food equipment daily.
  13. Never let food sit out for long periods of time.

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

 

Workers’ Compensation Best Practices For The Entertainment Industry

As a business owner in the entertainment industry, you go to great lengths to provide a safe working environment for your employees. But when dealing with humans, accidents can happen and Workers’ Compensation Insurance can help. Workers Compensation Insurance should be an important part of your entertainment risk management program.

What is Workers’ Compensation?

Workers’ compensation insurance is insurance that provides lost income, medical benefits, disability benefits, and rehabilitative services for workers injured on the job or while performing work-related duties.

Why Your Business Needs Workers’ Compensation Insurance

When one of your employees gets hurt on the job or has a work-related illness, only workers’ compensation will cover them. Health insurance benefits will not provide coverage for on the job injuries.

What Is The Best Way To Keep Costs Down?

  • Provide training for hazardous work, especially for new or inexperienced workers.
  • Enforce safety rules and practices.
  • Enforce drug and alcohol rules.
  • Require safety equipment to be worn at all times.
  • Keep work areas clean.
  • Do not wear loose clothing or jewelry around machinery.
  • Where required, you must wear protective equipment such as goggles, safety glasses, masks, gloves, hair nets, etc. appropriate to the task.
  • Safety equipment such as restraints, pull backs, and two-hand devices are designed for your protection. Be sure such equipment is adjusted for you.
  • Do not ever remove machine safety guards.
  • Develop a system for reporting unsafe practices.
  • Have monthly safety meetings that review safety issues and related topics.
  • Create accident investigation procedures that focus on prevention and change.

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.

Insurance For Promoters and Event Planners


pixa free fWhat 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

Does Your Production Involve Animals?


donkey-657593_1920

Animals have been used in movie-making, advertising, documentaries, print, and various production functions since the early days of the industry.  The American Humane Association has worked for many years to protect animals in films. This confirms how important animals are in movies, TV, documentaries and other productions.

Animal Mortality insurance will pay an agreed value for your animal actors if it dies from any accidental or natural cause. This coverage protects you against loss as a result of a variety of perils, including fire, lightning, windstorm, hail, theft, collision, upset while in transit, accidental shooting, and drowning.  Plus, it pays the agreed value of the animal actor if death was caused by one of the perils listed on the policy.

How it Works…it is simple

We get the resumes on the animal actors and their wranglers.  We can then write Animal Mortality coverage (life insurance) on the animals for a predetermined value.

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.”

Property Insurance For Film & Production Companies

Property insurance is critical to all film and entertainment firms. You have hundreds of thousands of dollars’ worth of equipment that you need to run your productions. The entertainment property policy you purchase has many different terms and we thought it would be good to review.

Covered property includes your equipment and related property used in the entertainment industry including audio, visual, computer, recording, lighting and projection equipment, wardrobes, props, costumes, and fine arts, as well as similar property of others that is in your care, custody, and control.

Property Loaned, Leased or Rented to Others-You’ll have coverage for direct physical loss to covered property you own that you loan, lease, or rent to others.

Accounts Receivable- Coverage is provided to reestablish accounts receivable records damaged as a result of a covered, direct physical loss.

Extra Expense- Commonly used equipment is easily and quickly replaced. Specialized or customized equipment may not be. To help you keep your performance commitments, your policy can cover the necessary and reasonable expenses up to a specific limit to expedite the repair or replacement of covered property. We can also cover the expenses to temporarily rent replacement property until your damaged property can be reasonably repaired or replaced.

Business Personal Property-Your policy covers direct physical damage to your business personal property resulting from a covered cause of loss.

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

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.

 

How Business Income Insurance For The Entertainment Industry

(fire, wind storm etc), while its operation is shut down.  All entertainment businesses have this exposure.

Business Income Insurance

  1. Peak Season – If your business has seasonal income, you will want to adjust your policy accordingly. Don’t just average your income out over 12 months; that may not be adequate coverage.
  2. Period of Recovery – When you consider your recovery time, (the amount of time to fully resume operations) you may need to take into account any special construction needs. For example, you may have unique equipment that will take several months to design and construct. Knowing this will help you design your coverage to meet your needs.
  3. Leased Building– If you lease your building and have invested in improvements, you may want to consider this coverage. If the building is destroyed and the owner decides not to rebuild, you may have a serious problem. This endorsement reimburses the tenant for everything lost in the value of the improvements and the cost of finding a new location, agent fees, and increased rent for property that’s already improved.
  4. Payroll coverage– Under this coverage, you can select who you want to offer payroll continuation to. However, you must do this prior to the loss. You can also add categories of workers and even managers.

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!

Shooting A Film Has Risks

MF stunt33We all love watching the fine work that comes out of production companies. If you think about the many risks facing production and entertainment companies, most people might run like Forrest Gump!  But we at Movie Insure know that with risk come rewards. Here are a few of the risks faced by the entertainment industry:

  • Foreign 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 equipment, sets and wardrobes. If equipment, sets or wardrobes are damaged or 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.

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”

Planning a Documentary? Make Insurance Part of Your Planning

pixa fre dsDocumentaries come in many forms. Some take years to shoot and produce, while others may only take a few months. No matter how big or small, having the proper production insurance for your documentary can be one of the most important things you can have. All the activities associated with filming a documentary bring unique risks that should be insured. And when it comes to movie insurance, Movie Insure has the solutions.

Here is a short overview of coverage you might consider:

  • Rented Equipment
  • Owned Equipment
  • Props, Sets and Wardrobe
  • Third Party Property Damage
  • Extra Expense
  • General Liability
  • Automobile Liability and Physical Damage
  • Workers Compensation

Once a 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 on which you are working.

 

 

Benefits of Working with an Independent Agent

There are many reasons why you buy production or movie insurance. But the bottom line is that you buy commercial movie insurance to protect your assets and have claims paid fairly and promptly. You also want competitively priced insurance rates.

Why Independent Agencies Are Better

When you purchase movie insurance through an independent agent you are working with a licensed professional who specializes in the products and services you need. Independent agents are local business owners who employee your neighbors to serve your needs.

Benefits of Working with an Independent Agent

  1. We represent many different markets. This allows us to bring you the best possible combination of coverage, price and service.
  2. We have the services you need. We offer prompt and professional insurance services. You don’t get a recording or someone in another state. We care about you and will help you solve your problems. We help you the claims process.
  3. We are experienced. Our staff completes regular training on all the insurance products you need.
  4. Locally owned. Our agency is locally owned and operated. It is always better to buy local. You can stop in our office anytime and meet the team that services your account.
  5. Working through an independent agent does not increase your premiums.

Our mission is to serve filmmakers with the best policies their dollar can buy. Movie Insure 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.