Wednesday, October 18, 2017

Entertainment Property Insurance….Coverage Is King!



Most entertainment business owns business property, and may also own the building in which you run your operations. Entertainment property insurance protects the physical assets of your business, such as computers, office equipment, cameras, film, buildings, furniture, fixtures, and other property.

Every business should have a comprehensive property insurance portfolio to respond to the many risks associated with property ownership. Property policies offer many unique kinds of coverage, some of which we have highlighted:

  • Building Coverage - allows you to quickly rebuild or repair buildings or other property damaged by fire, theft, natural disaster or other events, allowing you to return to normal operations.
  • Business Personal Property Coverage - covers costs to replace the contents in your building if they are stolen or destroyed by a covered unforeseen event.
  • Business Income Coverage - provides for continued income or lost revenues while the building and its contents are being rebuilt and replaced.  Business income helps you to cover operating and normal payroll expenses needed to keep an organization operating after a loss, usually for a specific time period.
  • Production Equipment – Covers your cameras, and other production equipment.
  • Building Ordinance Coverage - covers the increased cost to comply with building codes, ordinances or laws that have changed after your building was originally constructed. For example, under revised building codes you may now be required to install sprinklers which would increase the value of construction. 
  • Outdoor Signs and Property Coverage - covers costs to replace outdoor fences, signs, trees, shrubs or plants.
  • Equipment Breakdown Coverage - covers loss due to failure or breakdown of equipment such as boilers, heating systems, and electrical equipment.
  • Computer Coverage - covers costs to replace or repair damaged hardware, software, data or media vital to your operations.
  • Earthquake Coverage - provides insurance to repair or replace damaged equipment and/or buildings resulting from an earthquake. Earthquake coverage is typically excluded under most property policies.
The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of  the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

Wednesday, October 11, 2017

The Key To Your Entertainment Insurance Renewal



Important Topics For A Entertainment Insurance Renewal

There are many common renewal dates for commercial risks. July and January are two of the most common. July is just around the corner, so we thought we might share some of the topics which are important to review as part of your business insurance renewal.

Big Picture Business Insurance Renewal Questions

What Has Changed In Your Business?
These questions are important, as the resulting answers can change your risk, insurance program design, and ultimately your business insurance premiums.
  • Have you added any new locations?
  • Did you update or remodel your facility?
  • Have you hired new talent?
  • Do you store any film or tape?
  • Did you make any investments in your business?
  • Have you sold any personal property or equipment?
  • Have there been any changes in ownership?

Other Important Business Insurance Renewal Questions

These are also important and can affect your premiums
1.    Have you added any employees?
2.    What are your projected sales for the next year?
3.    Are you planning on any changes with your commercial autos?
4.    Have you entered into any new leases or contracts?
5.    Have you designed protocols in the event of a cyber-breach?
6.    Have you added any security systems, including alarms, surveillance cameras, etc?


Putting a little effort into your business insurance renewal can reap rewards in the form of better coverage and lower premiums. The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

Thursday, September 21, 2017

How Event Cancellation Insurance Can Save Your Production



Most entertainment companies do everything possible to make sure that shows and productions are opened on time. But sometimes there are circumstances that just can’t be helped. Fire, natural disaster, and talent illness can cause events to be cancelled. Special Event Insurance can provide the necessary security to ensure that if something does go wrong, you and your guests are protected.

Event Cancellation Insurance/Special Event Insurance from Movie Insure protects production companies from unforeseen circumstances that require the show to be canceled. It would provide funds to cover deposits and other costs that may have already been paid. Unforeseen circumstances could be related to any number of things including weather, construction at the venue, or illness of the featured speaker or entertainer. Policies can be created to protect revenues or expenses for those with insurable interests should an event be cancelled.

Event Cancellation Insurance is an important insurance to consider. If a loss occurs, John Hart will work closely with you to file documents quickly and accurately so your event can go on as planned.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.


Wednesday, September 13, 2017

How We Help Employers Manage Workers’ Compensation Costs



An Entertainment Workers’ Compensation Update

There are over 4.1 million workplace injuries in the Unites States each year, according to OSHA.  Employers spend about $155 billion on work related injuries each year.  There is no doubt workers’ compensation is a big expense for employers.

The good news is there are many actions an insurance agent can do to help employers reduce workers’ compensation costs.


  • Search the market for options and program designs that fit the individual needs of each employer.
  • Help build a bridge between the insurer and business.
  • Educate employers about how workers’ compensation works.
  • Work with employers in the development of a safety program.
  • Analyze all classifications to make sure they are correct.
  • Help the company prepare for the workers’ compensation premium audit.
  • Provide the framework for an early return to work program.
  • Help the company review accidents and claims to determine trends and then create safety solutions.
  • Facilitate a claims review with the insurer to make sure all claims are being processed correctly.
  • Be a resource to the business by bringing in other service providers to solve problems; i.e., attorneys, safety professionals, and third party claims consultants.




Workers’ compensation is an important part of your entertainment insurance program. It is required by state law that your business has workers’ compensation insurance.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.




Thursday, August 24, 2017

Test Your Entertainment Business Insurance IQ


An Entertainment Business Insurance Update

We don’t expect you to be experts in business insurance, but we thought it might be fun to test you on what you do know about your entertainment insurance. Business insurance is designed to cover unexpected losses. We can offer a wide range of business insurance options, so please call our office today.

Business Insurance Quiz (answers at the end)

  1. Your deductible is the amount you are responsible for if a covered loss occurs.
  2. Flood and earthquake coverage are always part of your business property coverage.
  3. Cyber Insurance is protection against losses caused by hackers from businesses dealing strictly in e-commerce, but it does not exist.
  4. Business Interruption covers your lost income no matter what kind of loss closes your business.
  5. My employees are prohibited from suing me, as this would be a workers’ compensation claim.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

Answers
1.       True-
2.       False- You need to add this coverage under a separate policy
3.       False- Cyber insurance can be purchase by all business
4.       False- Business interruption only applies to covered losses under the policy

5.       False- Your employees have rights under federal and state laws to sue you if they feel they have been wronged.  You would need employment practices liability insurance in order to protect you and your business from employee lawsuits.

Wednesday, August 9, 2017

Workers’ Compensation Best Practices From John Hart Insurance



Business owners go to great lengths to provide a safe working environment for their employees. However, when dealing with humans, accidents can happen, and Workers’ Compensation Insurance can help.  Workers Compensation Insurance should be an important part of every risk management program.

What Is Workers’ Compensation?
Workers' compensation insurance is insurance that provides lost income, medical benefits, disability benefits, and rehabilitative services for workers injured on the job or while performing work-related duties.

Why Your Business Needs Workers’ Compensation Insurance
When an employee gets hurt on the job or has a work-related illness, only workers’ compensation will cover them.  Health insurance benefits will not provide coverage for on-the-job injuries.

What Is the Best Way to Keep Costs Down?
·      Provide training for hazardous work, especially for new or inexperienced workers.
·      Enforce safety rules and practices.
·      Enforce drug and alcohol rules.
·      Require safety equipment to be worn at all times.
·      Keep work areas clean.
·      Workers should not wear loose clothing or jewelry around machinery.
·      Where required, workers must wear protective equipment such as goggles, safety glasses, masks, gloves, hairnets, etc. appropriate to the task.
·      Safety equipment such as restraints, pullbacks, and two-hand devices are designed for worker’s protection.  Be sure such equipment is adjusted for each worker.
·      Do not ever remove machine safety guards.
·      Develop a system for reporting unsafe practices.
·      Have monthly safety meetings that review safety issues and related topics.
·      Create accident investigation procedures that focus on prevention and change.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.


Thursday, July 20, 2017

Are You Hiring An Intern This Summer?

An Entertainment Insurance Update

Many entertainment businesses offer college students the opportunity to hold a summer intern position. These can be rewarding for the college student as well as provide some help to the business. Most States now require these positions to be paid. Before you bring that person on board, make sure your business is well prepared.


  •          Have a clear job description, hours, and line of authority.
  •          Check to see if there are any state regulations that might be impacted.
  •          If you offer a paid internship, you will need to treat the intern like any other employee.
  •          If the internship is a paid position, don’t forget about workers’ compensation.
  •          Make sure you comply with Healthcare Reform relating to employee benefits.
  •          Make sure the intern understands they are not entitled to “regular” company benefits, i.e. retirement, insurance, vacation, etc.
  •          The internship must provide similar training that would be given in an educational environment.
  •          There must be a “true” benefit for the intern.


·         Unpaid internships for for-profit companies are subject to the U.S. Department of Labor’s Fair Labor Standards Act. There are provisions if you offer educational credit. Here is a link to the U.S. Department of Labor.

We recommend you check with the department of labor to make sure your program meets all of the requirements. There have been many businesses who have been sued as a result of improper internship programs.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.