Tag Archives: Filmmakers

We Know Entertainment Insurance

Our dedicated entertainment and film insurance department has been focused on the entertainment and film business segment for over twenty-nine years. We not only provide our clients with the appropriate insurance product, but aid in the overall risk management of their entertainment and film production risk. Our reach is local, national, and worldwide.

The entertainment industry is a broad category that includes a wide range of businesses. Here are some examples.

  • Entertainers such as musicians, clowns, singers, jugglers, and dancers
  • Film, television and video producers
  • Entertainment services providers (businesses that provide lighting, sound, props, costumes etc.)
  • Entertainment venues like concert halls, theaters, and family entertainment centers
  • Performing arts businesses like dance troupes, orchestras, and operas
  • Broadcasters
  • Photographers and videographers
  • Event planners

We have over 60 years combined experience in the field of entertainment insurance. We focus exclusively on understanding the unique needs of 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!

 

Entertainment Insurance Is What We Do

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”.

SPECIAL EVENT COVERAGE

Coverage for a Single Event. Over 200 types of events. No attendance maximum. The maximum event duration is 90 days.

ANNUAL VENDORS & EXHIBITORS

Provides coverage on an annual basis for a vendor, exhibitor, or concessionaire at a Trade Show, Festival, Fair, and similar activities.

EVENT CANCELLATION

Event Cancellation for over 150 types of events, up to 90 days in duration.

FOREIGN EVENTS

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.

PROMOTERS

The Promoters program insures a promoter of events such as music, festivals, shows, clubs, parties and more.

ANNUAL EVENTS

Over 200 event types can be declared to the annual policy. No maximum attendance. No limitation on number of days.

THEATRICAL GROUPS

The Theatrical program covers touring and non-touring theatrical companies.

TOURING ENTERTAINERS

The Touring Entertainers program covers touring musical groups, touring entertainers and performers, comedians, house bands, and baby bands.

We have over 60 years combined experience in the field of entertainment insurance. We focus exclusively on understanding the unique needs of 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!

 

Our mission here at MovieInsure, is to serve filmmakers with the best policies their dollar can buy.  We focus exclusively on understanding the unique needs of the motion pictures, television, video, music, and theatrical companies.  This knowledgebase allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

We serve a broad range of the entertainment industry

  • Commercial films
  • Music videos
  • Musicians
  • Concert promoters
  • Entertainers and performers
  • Performance venues
  • Commercials, documentaries, industrial & educational training
  • Films
  • Animated productions
  • Independent feature film producers
  • Television producers
  • Reality television
  • Photographers
  • Lighting and staging companies
  • Concert promoters
  • Theatrical stage productions

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!

 

Are You Sure Your Production Is Covered?

The Wild Wild World Of Entertainment Insurance

When you think about entertainment insurance there are a number of things you must consider. But the single most important thing to consider is the skill and experience of the agent.  We have been helping the entertainment industry manage risk for many years, and we have found three things that will help you understand your risk.

Why work with an independent agent?

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

  • We represent many different markets, giving you more options.
  • MovieInsure is there to handle your claims, and we will help you through the claims process.
  • We are experienced. Our staff completes regular training on all the insurance products you need.
  • You want a business that is locally owned.

Proven ways to save on your entertainment insurance

  • Narrow production periods. Rather than 3 weekends try to manage in six consecutive days.
  • Paint a picture that describes what you do and how well you do it. You have to sell the underwriter on what is different about your operation and how the insurance company needs to insure your risk, because you are above average.
  • We will market your account with many different insurers, giving you the best combination of price and coverage.

Entertainment claims

Entertainment firms have claims, and we understand that you need the right kind of insurance to cover your losses. Here are few of the claims we see.

  • A crew member drops a $15,000 camera in the water.
  • Someone steals a key prop (like a custom auto) used in production.
  • A production set guest trips and falls on cables and sues the production company for medical bills.

We are ready to help you find the right combination of price, coverage, and services.

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!

We Know entertainment Insurance

The Value of Entertainment Insurance

No one likes to think about having an insurance claim, but accidents can and do happen. That is why you buy insurance in the first place. Every so often, we like to share examples of the claims that are common in the entertainment industry.

  • A production company was filming a commercial in Los Angeles CA, and the company had $30,000 of equipment stored in a truck. While the production was stopped for lunch, a car hit the truck and most of the equipment was damaged. The driver of the vehicle had no insurance. Fortunately, the production company had property insurance on their equipment and the claim was covered minus the deductible.
  • An event planner scheduled a concert and had presold $100,000 worth of tickets. Three days prior to the event, the venue had a fire. The event planner had Event Cancelation Insurance and had the resources to settle all claims and reschedule the event for a later date.
  • A post production company was hired to produce 10,000 CD’s for a motivational speaker. The CD’s were to be ready for sale prior to a big event the speaker had scheduled. Due to production issues, the firm missed the release time and the speaker sued the firm for lost revenue.

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!

Advantages of an Independent Agent

Advantages of an Independent Agent

When you work with us, we will give you unbiased advice.  As an independent insurance agent, we are very knowledgeable about all the companies that exist in the marketplace. We know which companies have the best track record when it comes to pleasing their policyholders. We can narrow your options down and help you choose between the best insurance companies in the market. Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.

There are a number of benefits to working with us:

  • We will work with you to make sure your claim is processed to your satisfaction
  • We provide a number of coverage options
  • Are not obligated to any one company
  • We search the market for the best combination of price and coverage
  • We are committed to exceeding your expectations
  • You are who we answer to, not a board of directors in NY
  • We are licensed professionals with strong customer and community ties
  • Our staff is qualified and trained to explain coverage in understandable language
  • We can review coverage and make necessary changes based on your needs

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!

 

 

How To Insure Your Employees In The Entertainment Business

How To Insure Your Employees In The Entertainment Business

Workers compensation is a no-fault system of benefits provided by States to most workers who have job-related injuries. If your company has employees, you are required by Alaska law to buy workers’ compensation insurance. Sole proprietors with no employees and approved self-insureds are not required to carry workers comp insurance. Your employees should be covered for any work-related injury or illness.

One question we often get asked is, what is an employee? An employee can be a full-time or part-time person, working on behalf of the company. Temporary and seasonal staff can also be defined as employees. Many people seem to think that just because someone isn’t a full-time employee they don’t need to have workers’ compensation coverage. Not true. Under all these cases you are required to have workers’ compensation insurance.

The way you pay your employee does not impact whether or not they are considered an employee. You can 1099 somebody and have him or her withhold his or her own taxes and you are still required to carry workers’ compensation coverage on that person. Don’t confuse tax laws and workers’ compensation laws. These laws and statutes are completely unrelated.

Here are a few additional tests to determine the employer/employee relationship:

  • Do you control the workplace?
  • If the person takes direction from ownership or management they are employees.
  • Do you supervise them?
  • Is their time controlled (lunch, breaks etc.)?

What about independent contractors?

An independent contractor is someone who owns their own business, so they control their own working hours. They control how they get the job done. They are the people to which you give a project, they return a completed project, and they are usually completely unsupervised by you. So, if you have someone who fits into this definition, you probably don’t need to carry workers’ compensation coverage on that person.  However, it is always a good idea to call is to help you review each situation.

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!

 

 

Is Short Term Entertainment Insurance Available?

Your firm may be embarking on a short term project that requires special or unique insurance coverage. John Hart Insurance can help you with this coverage. Many filming locations require that you present them with a certificate of insurance, naming them as an additional insured, before they allow you on the property. You may need to rent very specialized equipment that requires insurance. All these issues can be managed through the proper kinds of insurance products.

Our short term coverage can include:

General Liability – General Liability protects against claims of bodily injury or property damage and personal injury arising out of filming activity.

Third Party Property Damage – Covers damage to property in your care. For example, a building in which you film a commercial.

Owned & Rented Equipment – An equipment floater may be needed to insure property that moves from location to location.

Workers’ Compensation – Covers injury to employees while on location or on the job at any site.

Set and Prop Coverage – Property coverage in case sets or props are damaged.

Non-Owned and Hired Auto – Insures you from liability arising out of using or renting a vehicle that you do not own.

Excess Liability Insurance – Provides additional Liability protection over the General Liability and Non-owned/Hired Automobile Liability.

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!

Entertainment Insurance

Most of us would never say we love our insurance. In fact, most clients don’t even read their entertainment business insurance policy. Maybe after you read this story you may have a different opinion.

A small production company was filming a short commercial in a parking lot. One of the actors was set to drive up in a car and get out to promote the product. The actor could not stop the car and it ran into three by standers, causing serious injury, the resulting damages totaled over $15,000.

Know Your Business Liability Coverage

  • Bodily Injury–Bodily Injury to a third party.
  • 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.
  • 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.
  • Medical Payments–A general liability coverage that reimburses others, without regard to the insured’s liability, for bodily injury while on your premises.

You should also pay attention to the exclusions in your business liability insurance policy. Some of the common exclusions are:

  • Pollution
  • Workers’ compensation
  • Directors and officers liability
  • Professional services
  • And more

Many of the exclusions can be added or purchased under a separate policy.

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.