No matter the size of your production—whether it’s a short film, commercial shoot, or full-scale feature—certain risks come with being on set. The good news? With the right insurance in place, you can protect your project, your people, and your investment from the unexpected.

Here are five coverages every production should consider before the cameras roll:

1. General Liability Insurance

This is the foundation of most production insurance. It covers bodily injury and property damage to third parties. For example, if a light stand falls and injures someone on set or damages a rented location, general liability kicks in to protect your production.

2. Equipment Coverage (Rented or Owned)

Whether you’re using your own gear or renting from a house, your cameras, lights, sound equipment, and more need to be insured. Equipment coverage protects you against theft, loss, or damage—on set, in transit, or in storage.

3. Cast Insurance

If a key cast member gets sick, injured, or can’t show up and production is delayed, cast insurance can help cover the extra costs. It’s especially important for productions that rely on a few key performers to stay on schedule and on budget.

4. Workers’ Compensation

If your crew members are employees or if you’re in a state where it’s required, workers’ comp covers medical bills and lost wages if someone gets injured on the job. Even if it’s a small shoot, accidents happen—and this coverage is essential.

5. Production Liability (Including Third-Party Property Damage)

This is separate from general liability and is often required by studios, rental companies, and location owners. It covers things like damage to locations, sets, props, or wardrobe owned by others but used in your shoot.

Final Thoughts:

Each production is different, but these five coverages form the backbone of a solid insurance plan. Working with an agent who specializes in entertainment helps ensure you get the right protection—without paying for more than you need.

Got a shoot coming up? Let’s talk through your needs and get you covered fast.