Film Insurance and things you should know

When shooting a film things do not always go as planned. Items on the set can break, people can get hurt, and a number of other events can happen to cause damage or injury. To be prepared for the unexpected it is important to have film insurance. This will cover the production company and their entire staff working on the film in case something was to happen during the shoot.

There are several different types of film insurance. One of the easier factors in determining what type of insurance to get is how long the schedule for shooting is going to be. There are two different short term polices. One policy will cover the company for up to 60 days. The other policy will cover the company for up to 180days. With this type of coverage, the film can have a projected budget ranging from $300,000 to one million dollars. There are also policies for annual productions. This is for movies that are going to take several months to shoot and have a budget of up to five million dollars. There is also the foreign production policy. This policy will cover the film for up to one year regardless of what the budget is.

When looking for a film insurance policy it is important to understand what this policy is going to cover. Many film insurance polices cover equipment in case it is damaged. Both company owned and rented equipment is insured under this type of policy. All included in this policy are the sets, props, and wardrobe that are going to be used for the productions. If there is negative, stock the policy will cover this as well. Film insurance covers damage done by third parties including unauthorized people that have come onto the set. There is coverage for extra expenses such as medical bills and other bills due to unexpected damaged during production. The production company will have general liability coverage. They can also be cover for automotive accidents and other physical damages that may occur due to their equipment on the set. Film insurance companies will also provide workers compensation coverage.

There are certain qualification and restriction based on film companies in order to qualify for some of these coverage options. For movies that contain stunts, explosions, and scenes of violence there is special coverage available. The more action a film has there is an increased chance that someone could get hurt. These types of insurance coverage options are usually for large budget movies. These policies include Movie Boat insurance for scenes that will be shot on a boat. There is Charterer;s Legal Liability Insurance as well as other liability policies.These policies are rather expensive but will protect a film company if something unexpected where the happen on set.

When shooting a film unexpected events can happen. Equipment can break or a person can get hurt. It is important that a production company have film insurance. This will help protect them in case an accident happens while shooting.

safety on film sets

Safety on Film Sets

There are a lot of things that go into making a great film, whether you are an indie studio or a big budget production company. A lot of expense goes into the craft of film making, but if someone get’s injured or worse the price is just too high. When filming safety has to be considered with paramount importance, and is the responsibility of everyone involved in the project, not just the directors and producers. Everyone should be practicing good safety and should speak up if they are uncomfortable with anything they are doing.

Insurance Coverage on Films

One of the differences between small production companies are large ones is liability insurance. Larger film companies and projects usually have this base covered, but if you are a new actor or volunteering for a small indie project, it may not occur to you that you might get hurt or injure someone else, and that the filmmakers may not have insurance to cover it. When working on any film project always inquire about the insurance if it’s not covered in your introductory packet and talent release.

It’s important to understand that you need to be protected and have something in writing. If you are injured during the course of a film, you shouldn’t have to come out pocket or use your own insurance to cover it, it should work much the same way as if you were injured during any other employment.

Don’t Be Afraid To Say No

If you are asked to perform a stunt, operate equipment or do anything that you feel might be dangerous or that you consider yourself uncomfortable with, you need to speak up about it. Even if you previously agreed to it don’t be afraid to tell the filmmakers that you have changed your mind and you don’t feel confident doing something. They will understand and even if it causes problems they know that it is better to not have you do it than to have it go terribly wrong.

Don’t Take Unnecessary Risk

As a filmmaker you are responsible for everything that happens during your production. This is a responsibility you shouldn’t take lightly and you should be doing everything thing you can to ensure the safety of your cast and crew. Don’t take any unnecessary risk just to get a better shot or effect, prioritize the safety of your people above what might be best for the film.

Stunts involving pyrotechnics and vehicles for example are extremely dangerous and you should ensure you have certified professionals handling these things at all times. You should also have people on standby to act in the event something goes wrong. Always make sure you have first aid kits and fire extinguishers readily available on set should the need arise. Also make sure that you have gotten the appropriate permissions and permits for what you are doing. In the event something does go wrong, you don’t want to hesitate out of concern from involving the proper authorities. This an instance where you need to ask permission rather than forgiveness.

Why You might need Film and Media Insurance

If you are in film or media, you will need insurance. There are different types of film and media insurance available for you to get. All you need to know is what type of insurance is available and what it covers.

One type is called Errors and Omissions Insurance for producers. This offers coverage for producers in case they are sued for copyright infringement, slander, invasion of privacy, etc. This company makes sure that your movie is available to all companies at competitive premiums. This is required when signing contracts. This covers the following: movie distribution regardless of if the movie is released in theaters or goes straight to DVD, it provides coverage for improper handling of unsolicited scripts, the use of hidden cameras, failure to obtain the rights to music and film clips, not getting releases for people appearing in the movie, and using celebrities’ names or likeness without permission.

Another type of cover is Errors and Omissions for distributors. This is similar to the producers’ insurance. This covers distributors from lawsuits that may happen because of what they are distributing. Distributors are protected against lawsuits that occur from plagiarism from one movie to another. This provides protection from lawsuits that claim the following allegations: invasion of privacy, plagiarism or pirating, infringement, libel or slander, etc.

Movie Production Insurance will allow you to film your movie anywhere and you will have coverage. The movie must have a budget of over a million dollars or more. This covers the cast, damage caused by vehicles, wardrobe, props and sets (whether owned or rented), equipment, film and videotape, money, etc.

Short Term Production Insurance is for low-budget movies. This is great for music videos as well as other short films. They don’t cover action stunts performed in movies. It does cover general liability, vehicle liability, worker’s compensation, as well as the safety of the cast and crew.

Short Term Production II is similar to Short Term Production except it is for movies with bigger budgets. It covers the same things as Short Term Production except it covers the following: wardrobe, props and sets, extra expenses, vehicle liability and physical damage, and rented equipment.

Dice/Annual Production Insurance covers documentaries with budgets that are up to $5 million. To qualify, you can’t have any action scenes. You can’t shoot a gangster rap music performance. It has to shoot in the United States or Canada. This insurance covers the same things at the Short Term Production/Short Term Production II policies.

These are just some of the types of film and media cover available. You just have to do the research to find out what the best policy is for your production.