Tag Archives: property insurance

The True Value of an Independent Agent

Movie Insure is an independent agency. This means we don’t work for any one insurance company. We have access to many markets that specialize in the entertainment industry, giving us the ability to shop your account, and search the market for the best option for you. With captive insurance agents, you may only get the guidance of one company that sells one brand of insurance.

  • We specialize in the film and production industry that is all we do. We know and understand your industry.
  • We have over 25 years of combined service.
  • Our focus is exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.
  • 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 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.

There is no singular insurance company that is the best for everyone. As independent agents, we can find the right company for your specific needs. And as your needs change, we’ll always have an insurance company that is right for you.

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!

Insurance Plays An Important Role iIn Movie Productions

Insurance Plays An Important Role iIn Movie Productions

Insurance can help keep any production on track, especially after a loss. There are risks the production company has that can be managed through the proper insurance products. Here is some of the coverage that may apply:

Cast & Crew Insurance

Cast and Crew insurance indemnifies the production company for the loss or extra expenses to begin or complete principal work of an insured production due to death, injury or illness of any insured 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.

Errors & Omissions for Film Producers

Errors & Omissions Insurance for producers offers coverage for a wide variety of entertainment/media risks against lawsuits for libel, slander, invasion of privacy, infringement of copyright and other specified torts. Generally, these claims do not involve bodily injury.

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!

 

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!

 

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.

Stunt Insurance

Safety of performers is always the number one priority; whether it is maintaining a safe working environment or ensuring the physical safety of actors and stunt professionals. Many productions use stunts while filming their movie, commercial, or short film. Even training films often include stunts as part of the production.  However, many traditional insurance packages don’t automatically cover stunt work.

We can provide special stunt coverage for any production you are involved in. Directors and production companies can attain coverage for the following… Stunts, aerial scenes, falls, fight scenes, recreational vehicles, water scenes, weapons, precision driving, and animals.

Here are a few if the stunts that should be insured:

  • Aerial Work
  • Fight Scenes
  • Animals
  • Scripted Falls
  • Special Driving
  • Use of Weapons
  • Underwater Work

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.

If It Is Fun….We Insure It

If It Is Fun….We Insure It

MovieInsure takes insurance seriously. But we understand that our clients are in the entertainment business, and many times that is fun. You are providing fun and relaxation for the public. Here are just a few of the kinds of entertainment we insure and the most common risk associated with each.

  • Concerts- Injury to spectators
  • Feature Films- Injuries to cast members
  • Theme Parks- Injury to guests
  • Theater Productions- Damage to props and wardrobe
  • Documentaries- Copyright infringement
  • Commercials- Property damage
  • Short Films- Errors and omissions
  • Promoters- Contractual liability
  • Special Events- Event cancelation
  • Photographers- Owned Equipment
  • Television- Injury to cast and animals
  • Video Productions- Negative film and videotape damage or loss
  • Film Schools- General liability
  • Touring Performers- Non-appearance and cancellation

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..