Depending on your budget and type of short-term production, you may only need one or multiple lines of short-term production coverage. Some insurance companies will package multiple types of coverages, including ones you may not need. Below are descriptions of coverages, so you can better understand what you’re applying for. Applying for a short-term production insurance quote is the best way to learn how much production insurance costs.
If you are looking for long-term production insurance or annual production insurance click here
AVAILABLE COVERAGES YOU CAN APPLY FOR
General Production Liability Insurance
General Production Liability insurance protects against bodily injury to Third Parties (3rd parties are non-cast and non-crew members such as bystanders or spectators). For example, let’s say your production company is filming a feature film at a museum and taped electrical wiring onto the floor. An outside museum visitor walks by, trips over the wiring and breaks his/her arm. This bystander can sue your production company for bodily injury. But with the right type of film production insurance, you will be well covered.
Third-Party Property Damage
Third-Party Property Damage insurance covers the physical damage or loss to property while in the care, custody or control of the insured (the production company renting filming locations). It can also cover loss of use (to the location owner). Under the General Liability policy, some carriers provide Property of Others Coverage for rented premises, if the rental agreement is seven consecutive days or less. Other carriers exclude this altogether.
Rented Equipment Insurance and/or Props, Sets, and Wardrobe
This covers accidental damage to or theft of equipment and/or props, sets, and wardrobes while it is in your care, custody or control.
Owned Equipment Insurance
This covers accidental damage to or theft of production-related equipment you own.
Non-Owned and Hired Auto Liability
If you plan to rent a truck or vehicle for production use, you will need this type of auto liability. This covers your production company if the driver causes harm or damage to other vehicles and/or people.
If a third party is injured due to your loading and unloading equipment from non-owned and hired autos, this also covers those types of claims. (Third Party is a non-cast or non-crew member).
Non-Owned and Hired Auto Physical Damage
This coverage is typically purchased in addition to Non-Owned and Hired Auto Liability. If you plan to rent a truck or vehicle for production use, you will need this type of coverage to pay for any theft or damages to the vehicle(s) that have occurred during the production.
Workers’ Compensation Insurance
This is statutory coverage for employees you hire as cast and/or crew for production-related injuries or illness.
Please Note: Workers compensation coverage for independent contractors varies based on state laws and is always changing. When hiring contractors, please be sure to refer to the current state laws to determine if coverage applies.
This is supplementary coverage for employees you hire as cast and/or crew for production-related injuries if they are not covered by Workers’ Compensation coverage.
This provides medical reimbursement to cast/crew for injuries while traveling to or from production locations.
Excess Liability Insurance
This policy covers additional limits to supplement an existing general liability insurance policy.