Tag Archives: property insurance

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!

 

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!

Let Movie Insure Help You With Your Next Insurance Renewal

Entertainment Insurance Renewal

Your entertainment insurance is an important part of your risk management program. It is important to have the right insurance coverage, competitive pricing and the right insurer. We have found at least five factors that are important to manage when renewing your business insurance program.

An entertainment insurance program can include commercial property, auto, commercial liability, employment liability, workers’ compensation, professional liability and excess liability.

Insurance Renewal Tips

  • Provide complete information about your operation. 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.
  • Use an independent agent. We are best equipped to provide you with the best combination of coverage, price and service.
  • Combine your property, auto and liability with one insurer if possible. You will receive package discounts.
  • Have a well-managed safety program.

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!

Entertainment Property Insurance….Coverage Is King!

Photographer Holding Shutter Release Cable

Most every entertainment business owns business property, and may also own the building in which you run your operations. Property insurance protects the physical assets your nonprofit owns – such as computers, office equipment, buildings, furniture, fixtures, and other property.

Every business should have a comprehensive property insurance portfolio to respond to the many risks associated with property ownership. Property policies offer many unique kinds of coverage, some of which we have highlighted:

  • Building Coverage – allows you to quickly rebuild or repair buildings or other property damaged by fire, theft, natural disaster or other events, allowing you to return to normal operations.
  • Cameras and Other Equipment – production and entertainment companies have expensive equipment that needs to be insured correctly.
  • Business Personal Property Coverage – covers costs to replace the contents in your building if they are stolen or destroyed by a covered unforeseen event.
  • Business Income Coverage – provides for continued income or lost revenues while the building and its contents are being rebuilt and replaced. Business income helps you to cover operating and normal payroll expenses needed to keep an organization operating after a loss, usually for a specific time period.
  • Building Ordinance Coverage – covers the increased cost to comply with building codes, ordinances or laws that have changed after your building was originally constructed. For example, under revised building codes you may now be required to install sprinklers which would increase the value of construction.
  • Outdoor Signs and Property Coverage – covers costs to replace outdoor fences, signs, trees, shrubs or plants.
  • Equipment Breakdown Coverage – covers loss due to failure or breakdown of equipment such as boilers, heating systems, and electrical equipment.
  • Computer Coverage – covers costs to replace or repair damaged hardware, software, data or media vital to your operations.
  • Earthquake Coverage – provides insurance to repair or replace damaged equipment and/or buildings resulting from an earthquake. Earthquake coverage is typically excluded under most property policies.