This is one of the most frequent questions we get at MovieInsure—and with good reason. Every production is different, and there’s no one-size-fits-all number when it comes to coverage limits.

Producing a 5-day indie shoot with volunteer crew? You might need a $1M liability policy. Coordinating a 3-week commercial shoot with rented locations, paid talent, and drone footage? That’s a different ballgame.

Factors That Influence Coverage Needs:

Core Coverages to Consider:

The Real Risk: Being Underinsured

The biggest mistake isn’t overpaying—it’s underinsuring. A minor claim can derail an entire production, especially if you’ve underestimated your exposure. Worse yet, underinsurance can block distribution if your policy limits don’t meet legal or distributor requirements.

At MovieInsure, we conduct a risk profile review for every project we insure. We’ll walk you through your budget, locations, activities, and personnel to make sure your coverage is just right—not too little, not too much.

Your story deserves to be told—without fear of financial disaster. Let us help you find the right protection, every time.