Depending on the type of event you are organizing, you may only need 1 or multiple lines of coverage. Some insurance carriers will package multiple types of coverages, including ones you may not need. Below are descriptions of coverages, so you can understand what you’re applying for.
General Liability provides coverage for 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 at a museum and taped electrical wiring onto the floor. An outside museum visitor walks by, trips over the wiring and break his/her arm. This bystander can sue your production company for bodily injury.
THIRD PARTY PROPERTY DAMAGE
Third Party Property Damage 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 7 consecutive days or less. Others carriers exclude this altogether.
RENTED EQUIPMENT AND/OR PROPS, SETS, AND WARDROBE
This covers accidental damage to or theft of rented equipment and/or props, sets, and wardrobes while it is in your care, custody or control
This covers accidental damage to or theft of production related equipment you own. This is almost always offered on an annual basis.
NON-OWNED AND HIRED AUTO LIABILITY
If you plan to rent a truck or vehicle for your event, you will need this type of auto liability. This covers your event 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-event 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 your event, you will need this coverage to pay for theft of or damages to vehicle(s) you rented or use on behalf of your event.
This is statutory coverage for employees you hire as staff and/or crew (including 1099s) for event-related injuries or illness.
This is a supplementary coverage for employees you hire as staff and/or crew for event-related injuries, if they are not covered by Workers’ Compensation coverage.
This provides medical reimbursement to staff/crew for injuries while traveling to or from the event.
This policy covers additional limits to supplement an existing general liability policy.
Weather or cancellation insurance
This policy will reimburse the loss of expenses sustained if your event (film shoot) gets cancelled as a result of weather conditions or a venue being deemed unusable. The loss of potential expenses is set before the policy commences. The policy must be purchased at least 14 days before the event (film shoot) begins.