Tag Archives: Special Event insurance

Why Use Movie Insure As Your Entertainment Broker?

Why Use Movie Insure As Your Entertainment Broker?

Movie Insure has over 30 years of combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of a motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an 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.

We serve a broad range of industry segments including:

  • Commercial films
  • Music videos
  • Musicians
  • Concert promoters
  • Entertainers and performers
  • Performance venues
  • Commercials, documentaries, industrial & educational training
  • Films
  • Animated productions
  • Independent feature film producers
  • Television producers
  • Reality television
  • Photographers
  • Lighting and staging companies
  • Concert promoters
  • Theatrical stage productions

We are dedicated to the entertainment business, they are here to assist you, one-on-one, with the right combination of coverage, price and service. We will even speak with adjusters on your behalf. It’s all part of our commitment to customer service and your satisfaction.

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!

Why Insure Animals During Your Production

The use of animals as onscreen performers creates many interesting legal, risk and insurance issues for production companies. Animals are used in almost every kind of production including; movies, advertising, documentaries, print and more.

Technology has allowed production companies to use fewer animals such as; the 2011 movie The Rise of The Planet of The Apes starred no real animal’s actors. In addition, animal rights groups have continued to urge filmmakers to follow current rules regarding the treatment of animals during production.

Can You Insure Animals?

Animal Mortality insurance will pay an agreed value for your animal if it dies from any accidental or natural cause. This coverage protects you against loss as a result of a variety of perils, including fire, lightning, windstorm, hail, theft, collision, upset while in transit, accidental shooting, and drowning.  Plus, it pays the agreed value of the animal actor if death was caused by one of the perils listed on the policy.

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 Produce Entertainment Insurance

You are in the entertainment and education business. You create and design products that truly amaze us all. In doing so, you also create risks for your company, employees, and others. We can produce an entertainment insurance policy that fits your needs. John Hart Insurance produces entertainment insurance that will match your risks. We work with many of the leading insurers in the entertainment industry.

To protect your firm you should consider the following kinds of insurance:

  1. Worker’s Compensation- Covers injury to employees.
  2. Business income – If you have a loss and can’t operate, this insurance provides replacement income for a period of time.
  3. Cast Insurance- Reimburses the production company for any extra expense necessary to complete principal photography of an insured production due to death, injury or sickness of any insured performer or director.
  4. 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.
  5. Props, Sets, and Wardrobe- Provides coverage on props, sets, scenery, costumes, wardrobe and similar theatrical property against risks of direct physical loss, damage or destruction occurring during the production.

The entertainment industry is a very competitive and complex business that comes with uncommon exposure risks. Entertainment insurance can help protect against many liabilities and we are ready to help you.

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 Can Insure Your Documentary

Documentaries come in many forms. Some take years to shoot and produce, while others may only take a few months. No matter how big or small, having the proper production insurance for your documentary can be one of the most important things you can have. All the activities associated with filming a documentary bring unique risks that should be insured. And when it comes to movie insurance, Movie Insure has the solutions.

Here is a short overview of coverage you might consider:

  • Rented Equipment
  • Owned Equipment
  • Props, Sets and Wardrobe
  • Third Party Property Damage
  • Extra Expense
  • General Liability
  • Automobile Liability and Physical Damage
  • Workers Compensation

Once a documentary is finished, the next step is distribution. Most distributors will require the production company obtain an Errors and Omissions policy on the production. If you are a distributor, you should always carry your own E&O policy, in addition to requiring each of the productions you distribute to be covered. When purchasing your insurance policies, it is once again important to remember that the amount of coverage you purchase is wholly dependent upon the type of project on which you are working.

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!

Why Use An Independent Agent?

Everyone has seen insurance advertisements that feature a lizard, a man who creates trouble and a woman in white trying to sell you insurance. These ads may be entertaining, but how in the world can you tell these companies apart? What are the differences?  Is one company better than any other?  Will the coverage, price, and service meet my needs?

There are two distinct kinds of agents in the United States; Independent agents/brokers and direct writers. Let’s define these for you.

Independent Agents

An independent agent is a business that is owned and operated by local business professionals. Some larger agents may have a board of directors and many partners, but usually, the ownership is local and independent. These agents offer many different insurance products through many different insurance companies. Independent agents sell the products that most appropriately meet the needs of their clients. Independent agents typically are very well trained and knowledgeable of the complexities of the insurance market and insurance law.

Most independent agents have multiple companies from which to shop your insurance needs. More markets make it more likely that they will find the exact fit for your specific situation. It also allows for greater competition, which benefits the client.

The goal of the independent agent is to provide the best possible combination of coverage, price, and service. For example, independent agents have experience in understanding what services insurance companies offer and can match unique services with client needs. Not all insurance companies are alike.

Direct Writers

A direct writer is an agent who distributes policies for only one insurance company. Examples of these companies include Farmers Insurance, State Farm Insurance, and Allstate Insurance. Direct writers are agents paid by the insurance company and cannot utilize the entire insurance market.

If your roof needed replacement would you go to just one roofer for a quote?  Would you hire a roofer because their ads are funny?  Wouldn’t it make good financial sense to go to more than one roofer to get options and pricing comparisons?

The value of the insurance you buy genuinely is established when and if you have a claim. Independent agents advise and help clients through the claim process. Direct writers are working for the insurance company and may not always have your best interests in mind.

As common industry phrase is: independent agents/brokers work for the customer, direct writers work for the company. Enough said!

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 Can Insure Your Next Documentary

Documentaries come in many forms. Some take years to shoot and produce, while others may only take a few months. No matter how big or small, having the proper production insurance for your documentary can be one of the most important things you can have. All the activities associated with filming a documentary bring unique risks that should be insured. And when it comes to movie insurance, Movie Insure has the solutions.

The Kind Of Insurance You may Need

  • Rented Equipment
  • Owned Equipment
  • Props, Sets and Wardrobe
  • Third Party Property Damage
  • Extra Expense
  • General Liability
  • Automobile Liability and Physical Damage
  • Workers Compensation

Once a documentary is finished, the next step is normal distribution. Most distributors will require the production company obtain an Errors and Omissions policy on the production. If you are a distributor, you should always carry your own E&O policy, in addition to requiring each of the productions you distribute to be covered. When purchasing your insurance policies, it is once again important to remember that the amount of coverage you purchase is wholly dependent upon the type of project on which you are working.

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!

Event Cancellation Insurance

A Business Insurance Update

Is there anything worse than planning and preparing for a special event only to have it canceled at the last minute due to weather, or some other unforeseen reason? Special events are important and you want your event to go off without any issues. Event Cancelation Insurance helps protect your business and the planning days leading up to it.

Special events can include sporting events and competitions, trade shows, conferences, lectures, festivals, fairs, film, television, premieres, concerts and tours, corporate functions, community events, weddings and other special family gatherings.

Event Cancellations Insurance can help if you face a cancellation or postponement due to an unforeseen event such as illness, inclement weather or loss of speakers. Event Cancellation Insurance will provide reimbursement for deposits forfeited and other charges paid or contracted to be paid by the insured. This can include transporting costs, catering services, property and equipment rentals, location rentals, accommodations (including travel arrangements and accommodations for a honeymoon if applicable), specialized equipment, flowers, event photographs, videos and entertainment expenses.

Event Cancelation Insurance should not be confused with Event Liability Insurance, which is designed to cover guests and other third parties if they are injured or suffer loss at your event.

Examples of Event Cancellation Claims:

  • Heavy fog at a spectator event
  • Heavy winds at a balloon event
  • Snow/hailstorm at a golf event
  • Flooding of local roads prevent access to a venue
  • Pool sanitation issues at a swimming event
  • Flooding at a boat race
  • Convention center destroyed by fire
  • Performer unable to attend due to accident or illness

Event Cancelation Insurance policy terms

Event Cancelation Insurance has many unique terms. Remember insurance policies will vary. Here are some of the essential terms found in an Event Cancelation Insurance policy.

Loss: Expenses which are irrevocably expended in connection with the insured event.

Expenses: The total of all costs and charges which would have been incurred by the Insured in organizing, running and providing services for the insured event.

Cancellation or Cancelled:  The inability to commence the insured events.

Deductible: The insurance is subject to the deductible stated in the schedule, paid by the insured.

Insured obligations: The insured shall do all things necessary to avoid or diminish a loss under this insurance including rescheduling the insured event.

Typical Exclusions:

  • Contractual dispute
  • War, civil commotion, and riot
  • Fraud, misrepresentation or concealment
  • Cancellation or postponement voluntary by you
  • Any reduction in attendance that is not explicitly attributable to the necessary cancellation, disruption or rescheduling of the insured event

Like any insurance product, the terms and conditions of the policy will govern all claims settlements. This information is intended to be a brief overview of the issue and is not a replacement for the actual insurance policy you purchase.

Event Cancellation Insurance is an integral part of your risk management plan and is designed to protect against the loss of costs, expenses or revenues associated with this exposure. The price to secure Event Cancelation Insurance is very reasonable and available.

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 A Complete Range Of Insurance For The Entertainment Industry

We work with many different kinds of entertainment firms. We know and understand your risk and are ready to help your business thrive.

Cast Insurance – Reimburses the production company for any extra expense necessary to complete principal photography of an insured production due to death, injury or sickness of any scheduled performer or director.

Foreign Production Insurance – Covers the liability associated with production in foreign countries.

Props, Sets and Wardrobe – Provides coverage on props, sets, scenery, costumes, wardrobe and similar theatrical property against risks of direct physical loss, damage or destruction occurring during the production.

Animal Mortality – Animal Mortality insurance will pay an agreed value for your animal actor if it dies from any accidental or natural cause.

Umbrella Insurance – Umbrella Insurance provides extra protection or limits above the primary liability insurance you currently have.

Extra Expense – Reimburses the production company for any extra expense necessary to complete principal photography of an insured production due to the damage or destruction of property or facilities (props, sets or equipment) used in connection with the production.

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.

Workers’ Compensation – This coverage is required to be carried by State law and applies to all temporary or permanent cast or production crew members.

Comprehensive Liability – Protects the production company against claims for Bodily Injury or Property Damage Liability arising out of filming. Coverage includes the use of all non-owned vehicles (both on and off camera).

Negative Film and Videotape – Covers against risks of direct physical loss, damage or destruction of raw film or tape stock, exposed film (developed or undeveloped), recorded videotape, soundtracks and tapes and software used to generate computer images, up to the number of insured production costs.

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!

All coverage subject to actual policy terms and conditions

We Protect Your Investment With Insurance

California Entertainment Insurance

The epic movie Gone with the Wind cost $4 million to produce in 1939. In 2015, that amount would not even cover the cost of a leading man. The movie and entertainment business has changed over the years, and so have the risks that are involved in creating the next academy award winner. MovieInsure.com Insurance Services produces entertainment insurance that will match your risks. We work with many of the leading insurers in the entertainment industry.

The world is getting smaller, and movies, commercials, and documentaries are being produced all over the world. Digital technology is rapidly changing the landscape of cinematography, post production, and distribution. The entertainment business is much more complex and litigious, creating the need for the right kind of insurance.

We offer the complete entertainment insurance package.  Here are a few of the insurance products we provide:

Cast Insurance – In the event of a production delay, cast insurance protects against extra expenses (such as salaries and equipment rentals) until production can resume.

Film – Film, videotape, and other video or audio media can be easily damaged.  Insurance can replace damaged, lost or stolen film.

Props – Props, sets and costumes are an important part of any production, and they need to be insured.  Insurance helps protect against the costs required to repair or replace those unique items.

Event Cancellation – This coverage is designed to respond to almost any unexpected circumstance that causes the cancellation, abandonment or postponement of an event.

Professional Liability – Your Company can be sued for improper use of an image, copyright infringement of a song or script, or contract negotiations.

We are proud to offer specialized coverage for production and event insurance of all types.MovieInsure.com insurance Services 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.