Tag Archives: Filmmakers

Professional Liability In The Entertainment Industry

Most if not all entertainment firms need professional liability insurance. Professional liability coverage for the entertainment industry is different than other kinds of industries. It is important to have an agent you knows and understands your industry.

What Kind Of Professional Liability Should You Have?

(This is only a partial list of the types of coverage, your coverage will depend on your individual risk)

  • Breach of agreement
  • Infringement of copyright, trademark, title or slogan
  • Breach of a license to use a third party’s intellectual property
  • Emotional distress
  • Invasion of privacy
  • Unfair competition
  • Personal injury
  • Plus more

Professional Liability Insurance is sometimes called Errors and Omissions (E&O) coverage. Claims come from errors or omissions in the performance of professional services. Companies that perform production services have an exposure to E & O claims. E & O insurance also protects against alleged libel, slander, defamation of character and invasion of privacy. This coverage will usually be required by a distributor prior to release of any theatrical or television production.

Here Is An Actual Claim Example

A post production firm used images without a license as part of the opening to the film. The owners of the images filed a lawsuit for copyright infringement. The case was settled for $19,000.

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!

 

Rental House Coverage for the Entertainment Industry

Rental houses and other post-production facilities are an important part of the entertainment industry.  These locations all have unique exposures that need to be insured.  Our agency has the markets for this type of risk, and can offer you many options for your rental house insurance.

The Rental House program provides insurance for companies that supply the entertainment, sports and leisure industries with the equipment and/or support services.

The Rental House program is designed for entities continuously engaged in the business of renting equipment to the entertainment, sports and leisure industry. These companies may provide production equipment such as cameras, lighting, sound, props, sets, wardrobe, trailers and more. They may provide equipment for special events such as props, sets, furnishings and more. They may provide various types of equipment to the sporting industry.

This program is flexible enough to fit the needs of small rental houses up to major national chains. In addition, the program may also be used to cover entities that provide installation and similar activities.

What Kind of Coverage Do Rental Houses Need?

  • Commercial General Liability
  • Umbrella
  • Workers’ Compensation
  • Crime Coverage
  • Equipment Breakdown Coverage
  • Property of others in your care
  • Commercial Business Automobile
  • Commercial Property
  • Earthquake or flood insurance
  • Business Interruption
  • Entertainment Property Floater

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 Event Cancellation Insurance Can Save Your Production

Most entertainment companies do everything possible to make sure that shows and productions are opened on time. But sometimes there are circumstances that just can’t be helped. Fire, natural disaster, and talent illness can cause events to be cancelled. Special Event Insurance can provide the necessary security to ensure that if something does go wrong, you and your guests are protected.

Event Cancellation Insurance/Special Event Insurance from Movie Insure 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 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 We Help Employers Manage Workers’ Compensation Costs

An Entertainment Workers’ Compensation Update

There are over 4.1 million workplace injuries in the Unites States each year, according to OSHA.  Employers spend about $155 billion on work related injuries each year.  There is no doubt workers’ compensation is a big expense for employers.

The good news is there are many actions an insurance agent can do to help employers reduce workers’ compensation costs.

  1. Search the market for options and program designs that fit the individual needs of each employer.
  2. Help build a bridge between the insurer and business.
  3. Educate employers about how workers’ compensation works.
  4. Work with employers in the development of a safety program.
  5. Analyze all classifications to make sure they are correct.
  6. Help the company prepare for the workers’ compensation premium audit.
  7. Provide the framework for an early return to work program.
  8. Help the company review accidents and claims to determine trends and then create safety solutions.
  9. Facilitate a claims review with the insurer to make sure all claims are being processed correctly.
  • Be a resource to the business by bringing in other service providers to solve problems; i.e., attorneys, safety professionals, and third party claims consultants.

Workers’ compensation is an important part of your business insurance program. It is required by state law that your business has workers’ compensation insurance.

As a business owner, you go to great lengths to provide a safe working environment for your employees. Workers’ compensation continues to be a significant cost driver for most employers, and understanding all the factors that can drive your workers’ compensation cost can often be complex and time consuming.

Movie Insure Can Help Reduce Your Risk

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. MovieInsure.com  offers a check list for film producers to make sure the right production insurance is in place.

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

These are common risks shared by most productions

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

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!

 

We Offer Property Insurance For The Entertainment Industry

Commercial Property Risks

No two entertainment businesses are alike. That is why you need an insurance program designed specifically for your business. When it comes to managing your property, there is nothing better than having an agent with a deep understanding of your risks, the market, and the qualifications to design a program to meet your needs.  Our main focus is always to design a property program that addresses your current and future risks.

Your Property Risks Are Real

  • Business interruption
  • Loss of use
  • Damage to buildings and special equipment
  • Loss of Income
  • Production delays
  • Damage to reputation

Proven Solutions

  • Policy review and coverage audit
  • Broad range of insurance markets with the ability to place coverage locally, nationally, and internationally if necessary
  • Review of limits and deductibles to make sure your program is designed to maximize your goals
  • Cost benefits of alternative financing options
  • We will review your vendors to determine if you have contractual liability that might impact your property risks.

We maintain relationships with underwriters who are specialists in the commercial property insurance arena, and we consistently monitor the marketplace for new and innovative underwriters. We will evaluate your specific business needs and make personalized recommendations for your business.

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!

We Insure Drones

Unmanned Aerial Vehicles (UAV’s), affectionately referred to as “Drones”, are revolutionizing the Aerial Photography and Film industry as we know it. Getting Drone insurance is a vital component in protecting the “Owner/operator” of the aircraft, the production company that hires the pilot, and the public at large.

There are hundreds of models of drones with a wide range of weight, speed, payload, and technical features including “auto-return” and GPS. Drones are used in more than film and movie productions. Agriculture, security, real estate and of course the obvious.

The technology has been evolving faster than the insurance industry, making it difficult for underwriters and insurance carriers to properly price the risk and make the coverage affordable and available to marketplace.

Liability Issues with Drones

Here are a few issues that have not yet been worked out through the courts:

  1. Who owns the airspace above your home?
  2. What constitutes an invasion of personal space?
  3. What are my privacy rights?
  4. Who is liable for damage?

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.

Drone-Liability.com is a site designed to help drone owner/operators find insurance. Drone-Liability.com is owned by Movieinsure.com, Inc.

What Is Event Cancelation Insurance?

No matter how well events are planned and organized, there are many things that can go wrong which can cause the event to be cancelled.

Event cancellation insurance provides protection for organizations, event planners, production companies and others that host conventions, plays, concerts, trade and consumer shows.  Coverage is available for indoor and outdoor events held nearly anywhere in the world. If your event is cancelled, you still may have legal and financial obligations. If you are holding a concert, comedy show or other entertainment event, call John Hart today.

Event cancellation Insurance can cover expenses or lost revenue that you might stand to lose if the event you are managing or promoting is cancelled or postponed due to unforeseeable reasons beyond your control.

Insurance coverage can include protection from adverse weather, heavy rain, fire, collapse or destruction of the event site, damage to surrounding venues or infrastructure, disease outbreak resulting in lack of access, power failures, and strikes. Other coverage can include non-appearance of a key speaker or entertainer, failure to vacate the event facility, and physical loss of personal property and door registration receipts.

You have a lot invested in your event, and event insurance is a good way to protect that investment. No matter how much time, energy and money you invest in your events, there may be factors beyond your control that can cause costly cancellations or interruptions.

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 Selecting A Broker For Your Entertainment Business?

We are an independent agency. This means we don’t work for any one specific insurance company. We have access to many markets, giving us the ability to shop your account and search the market for the best option for you. With captive insurance agents, like the big national companies, you only get the guidance of one company that sells one brand of insurance. With an independent insurance agent, you may get as many as five choices or more.

If you are looking for a new broker we suggest asking these questions as part of your review process:

  1. Which insurance company do you recommend?

Answer- We work with a number of companies and only recommend the ones that provide the best possible combination of coverage, price and service.

  1. Do you have experience in my industry?

Answer- We have experience in the entertainment industry and specialize in commercial insurance, workers’ compensation and employee benefits. If fact, we only work in th entertainment industry.

  1. What other services do you offer besides insurance placement?

Answer- We offer a number of other services including claims assistance, certificate reviews, and workers’ compensation. We also utilize our carrier’s safety and loss control when needed.

  1. What sets you apart?

Answer- Each company has its own circumstances which dictate what would be needed to safeguard the years of hard work in building a successful enterprise. We will guide you through different scenarios to see what effects it would have on your business and what solutions are available. Our mission is to give you the peace of mind that your company and personal assets are properly safeguarded.

  1. Give us examples of how you might improve our program.

Answer- We would complete a review of your current insurance program and compare that with your operational exposures. We would identify any gaps in coverage and make recommendations.

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.

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!