Tag Archives: movie insurance

Are Special Events In Your Future?

Every 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.

Our event liability insurance provides coverage for damages for which you are responsible if there is an accident at your event that causes injury or property damage.

  • Event liability insurance provides the following primary coverage:
  • Bodily injury and property damage liability–Up to $1,000,000 per occurrence and $2,000,000 total
  • Host liquor liability insurance
  • Cancellation endorsement, optional

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 canceled.

Event Cancellation Insurance is an important insurance to consider. If a loss occurs, John Hart will work closely with you to file documents quickly and accurately so your event can go on as planned.

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 have 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 Think of Insurance as a Promise

Entertainment update

Many people look at insurance as a commodity, like buying car or a piece of furniture.  Consequently, they become caught up in searching for the lowest price for the “product of insurance.”  Insurance is less of a commodity, and more of a promise or service.

Promise vs. product

Entertainment insurance is a promise from the insurer to cover your claim or loss per the terms of the policy.  What many people fail to understand is that policies or “promises” differ from company to company. If you never have a claim, then you do not know if the insurer will live up to the promise you think they have made.  However, if you do have a claim you want the promises kept.

That is where we come in.  As an agent, we help you understand the promises made, and work with you to make sure the insurer fulfills all promises.  We can also help you design a policy that fits your needs.

Here are few things to remember about insurance promises

  • Getting the right coverage is not the insurer’s responsibility–it is yours. You need to determine what limits, deductibles, and coverage you will need to cover your risk.  As an agent, we can help you through that process.
  • You may need special or unique coverage like foreign production, coverage for the cast or for special equipment. We are here to help you evaluate your risk.
  • Insurance companies differ. We can show you how insurers differ in regards to product and services.

We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an entertainment 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.

Our goal is to provide exceptional service while giving you peace of mind so you can focus on what you do best, create. Give us a call and let us show you how we can save you time and money on your insurance.

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 You Got To Love It

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 of 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 productions (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!

 

Movie Insure  – We Are Independent

 We are an independent agency. This means we don’t work for any one 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 might get up to eight choices. There are a number of benefits to working with us:

  • John Hart Insurance specializes in the film and production industry that is all we do. We know and understand your industry.
  • 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
  • John Hart Insurance. is your one stop shop; we offer a complete line of insurance
  • Our staff is qualified and trained to explain coverage in understandable language
  • We can review coverage and make necessary changes based on your needs

When you work with us, we will give you unbiased advice.  As an independent insurance agent w,e 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 policy holders. We can narrow your options down and help you choose between the best insurance companies in the market.

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!

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

Why Event Planners Need Insurance

What 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:

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.

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.

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.

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.

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..

Your Event Was Just Cancelled…Don’t Worry

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

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 canceled, you still may have legal and financial obligations. If you are holding a concert, comedy show or another 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 canceled 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 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!

Risks For The Entertainment Industry

Broadcaster Magazine recently ran an article outlining top risks in the entertainment industry. We thought it might be good to re-visit some of these. Rapid consolidation, expanding markets, emerging business models and growing consumer demand are taking center stage and creating real turmoil in the media and entertainment (M&E) industry, Ernst & Young says.

The article points out many kinds of risk faced by the entertainment industry, but we thought we would focus on only on the top three, as we see them.

Asset protection risks including piracy and digital intellectual property rights.

Our Solution – 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 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.

Inability to control costs.

Our Solution – We have access to many of the top markets which creates competition and keeps your entertainment insurance costs down.

Increase climate toward litigation.

Our Solution – Comprehensive Entertainment Liability Insurance, which protects the production company against claims for Bodily Injury or Property Damage Liability arising out of filming the picture. Coverage includes use of all non-owned vehicles (both on and off camera), including physical damage to such vehicles. this coverage will be required prior to filming on any city or state roadways, or any location sites requiring filming permits.

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!

 

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.

 

Business Interruption Insurance For Your Entertainment Firm

Coverage For Every Movie Production Company

Business Interruption Coverage is part of commercial insurance policies. This coverage is most commonly found in Commercial Property Insurance Policies and Business Owner’s Policies (a package policy for small businesses, often referred to as a “BOP”). If you own a production, film, TV, media, or Entertainment Company, California Entertainment Business Interruption insurance should be part of your program. Remember we specialize in your industry. There are a number of important elements to Business Interruption Insurance:

  1. Coverage is triggered by a covered loss; for example fire, wind, etc.
  2. There is a waiting period that acts like a deductible.
  3. Coverage is limited to lost net income, temporary relocation, and ongoing expenses such as payroll that enables businesses to continue paying employees rather than laying them off.
  4. There is a time period for recovery, usually 12-18 months.

Extra Expense Insurance reimburses your company for expenses, over and above normal operating expenses, to avoid having to shut down during the restoration period. Usually, extra expenses will be paid if they help to decrease business interruption costs

Business Interruption Insurance can be as vital to the survival of your production firm, studio or company as Fire Insurance. Make sure your policy limits cover a sufficient amount of time to rebuild your business. It can take more time than anticipated after a major disaster to get your business functioning again.

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!

 

Property Insurance For Film & Production Companies

We get questions every day regarding what are the common coverage’s found in commercial property insurance for film and production companies. Part one of our series, film & production company property insurance, we will review; definition of covered property, leased or rented property, accounts receivable, extra expense, and business personal property. Let’s get to it.

Definition of Covered Property-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.

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!

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