Tag Archives: property insurance

Equipment Floaters For The Entertainment Industry

Your entertainment company may own specialized equipment, like cameras, props, sets, or other production equipment that you take on location. You also may have a need for special floater coverage for a short period of time or as part of your overall insurance program. No matter what the case we can help with the best possible combination of coverage, price and service.

Entertainment Equipment Floater

  • Coverage is available for a wide variety of property, during production or while in your care, custody and control.
  • Property located on or off your premises.
  • Property in transit.
  • Coverage generally can be provided for risk of direct physical loss, including earthquake.

Types of Equipment Covered

  • Cameras
  • Production equipment
  • Sound equipment
  • Theatrical equipment
  • Editing equipment
  • Musical instruments
  • Other misc. eqipment

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!

 

Don’t Let the Company Holiday Party Turn Into A Mad Men Episode

Your company Holiday party was going great, and everyone was having a wonderful time.  Except one of the female employees said that a manager touched her and made un-wanted advances.  Now she is filing an employment liability claim.  This is a scenario that no one wants to happen.

Your business insurance many not cover this lawsuit unless you have employment practices liability insurance.  Call our office for a review of your commercial insurance today.

Office Holiday Party Safety

  1. Limit use of alcohol; offer two drink tickets per person.
  2. Make sure you have food at your party.
  3. During the party, monitor alcohol consumption. Quickly try to diffuse any situations or displays of inappropriate behavior.
  4. Consider having the party at a restaurant. This is a good way to transfer liability.
  5. Make the party optional.
  6. Arrange for cab rides or transportation home for guests who may need it.
  7. Prior to the party, review harassment policies with all employees as a reminder of proper behavior.
  8. Encourager managers to set a good example.
  9. Consider inviting spouses, which is a good way to reduce romantic hook-ups.
  10. Know your state laws.
  11. If you have employees bring food, be sure the food is labeled by type. Some people may have food allergies.

As long as you don’t charge for drinks, your business insurance will provide coverage (Always check with our office as each policy is different).

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!

 

When Your Property Goes Off Your Premises, Your Business Needs Inland Marine Insurance

Entertainment Insurance update

Your entertainment insurance covers your personal property, stock, goods, and products while they are at your insured locations.  However, if you take that business property offsite, it may need special insurance to be covered.  Most modern businesses are highly mobile and frequently interact offsite with goods, products, and supplies from all over the world.

If your business delivers goods to customers or other parties, you want your equipment and products insured while away from your premises. Some examples might include:

  • Cameras
  • Props and other equipment stored in truck
  • Lighting

If you are responsible, you want your business insurance to respond to any claim or loss.  Inland marine insurance can be added to your business insurance policy to cover such risks. Inland marine insurance is designed to cover products in transit, those held over at interim shipping points or various other fixed locations, and other movable properties that are transported from one place to another.

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!

General Liability For Entertainment Businesses

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.

General Liability Insurance should be the foundation of your entertainment insurance program. General Liability Insurance provides the following coverage:

  • Bodily Injury– Bodily Injury to a third party.
  • Property Damage– Damage to a third parties 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 and invasion of privacy.
  • Products & Completed Operations– Liability arising out of the Nonprofits 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.

General Liability Insurance is designed to cover defense costs as well as judgments. It is an important part of your insurance program that we recommend for your organization.

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

Is Your Entertainment Insurance To Expensive?

We offer several proven methods of reducing entertainment insurance premiums without affecting coverage.  We can review your insurance program to determine if there are ways to reduce costs, and we are ready to help you work through the process.  Here are six premium reducing methods we can recommend for you to consider.

Business Insurance

Merge insurance policies — Consolidating auto, property, and liability insurance under one policy can provide “package” credits.

Automobile Program — Make sure all your commercial vehicles are “classified” correctly. For example, having a pick-up classified as a commercial delivery truck can increase costs. Consider self insuring physical damage coverage on certain vehicles.

Workers’ Compensation — If you have had large losses, it could be beneficial to have a third party medical bill review completed.

Increase Deductibles — Consider increasing your property deductible to $5,000 or even $10,000.  Also, think about increasing auto deductibles on older vehicles. If your losses are low, over time you might save enough in premiums to pay for future losses.

Have us complete an audit of your entire program — We can evaluate exposures your company has, and discover what options would be best for your individual needs. We can become a second set of eyes to uncover exposures not currently addressed.

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 Your Entertainment Insurance To Expensive?

We offer several proven methods of reducing entertainment insurance premiums without affecting coverage.  We can review your insurance program to determine if there are ways to reduce costs, and we are ready to help you work through the process.  Here are six premium reducing methods we can recommend for you to consider.

Business Insurance

Merge insurance policies — Consolidating auto, property, and liability insurance under one policy can provide “package” credits.

Automobile Program — Make sure all your commercial vehicles are “classified” correctly. For example, having a pick-up classified as a commercial delivery truck can increase costs. Consider self insuring physical damage coverage on certain vehicles.

Workers’ Compensation — If you have had large losses, it could be beneficial to have a third party medical bill review completed.

Increase Deductibles — Consider increasing your property deductible to $5,000 or even $10,000.  Also, think about increasing auto deductibles on older vehicles. If your losses are low, over time you might save enough in premiums to pay for future losses.

Have us complete an audit of your entire program — We can evaluate exposures your company has, and discover what options would be best for your individual needs. We can become a second set of eyes to uncover exposures not currently addressed.

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 Renting Equipment?

Like many organizations, your entertainment firm may rent or lease equipment from time to time.  It is important to understand who is responsible for the rented equipment, and that your understanding is consistent with the written rental agreement. Not all rental agreements are the same. Some rental agreements will include property damage insurance as part of the rental fee. Other rental agreements may require you to be responsible for all damage. And finally, some rental agreements may require you to pay a deductible if there is damage. This can be very confusing especially if you are leasing or renting a high value item.

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

There are many important things to remember when considering a rental agreement:

  1. Leasing companies come in many varieties including banks, brokers, equipment specialists, independents, and companies of all sizes. Each has different levels of flexibility and requirements.
  2. Understand what the rental/lease agreement says regarding repairs, maintenance, and upgrades. This applies more to long term leases rather than short term leases.
  3. It may be in your best interest to insure the equipment separately. This may be more cost effective depending on how the agreement is written.
  4. MovieInsure.com and allow us to review the rental agreement on your behalf.

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!