Tuesday, March 25, 2014

Is Short Term Entertainment Insurance Available?

Your firm may be embarking on a short term project that requires special or unique insurance coverage. John Hart Insurance can help you with this coverage. Many filming locations require that you present them with a certificate of insurance, naming them as an additional insured, before they allow you on the property. You may need to rent very specialized equipment that requires insurance. All these issues can be managed through the proper kinds of insurance products.

Our short term coverage can include:

  • General Liability - General Liability protects against claims of bodily injury or property damage and personal injury arising out of filming activity.
  • Third Party Property Damage - Covers damage to property in your care. For example, a building in which you film a commercial.
  • Owned & Rented Equipment - An equipment floater may be needed to insure property that moves from location to location.
  • Workers' Compensation - Covers injury to employees while on location or on the job at any site.
  • Set and Prop Coverage - Property coverage in case sets or props are damaged.
  • Non-Owned and Hired Auto - Insures you from liability arising out of using or renting a vehicle that you do not own.
  • Excess Liability Insurance - Provides additional Liability protection over the General Liability and Non-owned/Hired Automobile Liability.

Generally, short term coverage is designed for productions less than 60 days and with smaller budgets. Call John Hart today for more information. 

Monday, March 10, 2014

Entertainment Issues -- Risk and Reward

We all love watching the fine work that comes out of Hollywood and other production companies. If you think about the many risks facing production and entertainment companies, most people might run like Forrest Gump!  But we at John Hart Insurance know that with risks come rewards.

We have 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. Call us today for more information.

Here are a few of the risks faced by the entertainment industry:
  • Stunts and action scenes. There are times when lead actors want to do their own action scenes. If the lead actor is injured it might lead to long delays in production.
  • Foreign locations.  Many productions are filmed outside of the USA. This can lead to safety, cultural and legal issues. Especially if the production is travelling with a full crew and production team.
  • High valued set and wardrobes. If sets are damaged or wardrobes destroyed, they must be replaced. Even under the best of situations, a few weeks delay can cost thousands of dollars.
  • Documentaries or other true stories can lead to creating errors in the truth. While there is always some defense in artistic freedom, it really depends on what was agreed to between the parties involved. Also, rewriting scripts during production can lead to errors in factual information.