Thursday, December 17, 2015

The Risks of Drone Ownership

More and more businesses are purchasing and using drones for number of reasons.  Drones have been used in the entertainment business for a number of years.  Unmanned Aerial Vehicles (UAV's), affectionately referred to as "Drones", are revolutionizing the industry as we know it. Drone insurance is a vital component in protecting the "Owner/operator" of the aircraft. Drones are a quickly evolving technology, and the implications and regulations for owning one may change in the near future. Current sales of drones are running about 200,000 for 2015.

Liability Issues with Drones
  • Here are a few issues that have not yet been worked out through the courts:
  • Who owns the airspace?
  • What constitutes an invasion of personal space?
  • What are my privacy rights?
  •  Who is liable for damage?

Drone Insurance Concern
Most business insurance excludes liability related to an aircraft of any kind. Drone owners should talk to their insurance agent to see if they have coverage and, if not; consider what coverage options might be available. We have the ability to write drone insurance, call us today.


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, December 10, 2015

Does Your Production Company Sign Contracts?

Contracts are signed in the entertainment business every day.  Contracts can include property lease agreements, equipment lease agreements, service agreements, and employment contracts.  It is an important part of your entertainment insurance and risk management program to review all contracts prior to signing.  We always recommend that you have an attorney review contracts to make sure that they comply with all state regulations.

Contract Hot Spots

  • .         Hold harmless -- A hold harmless agreement requires you to hold another party harmless for your actions.  While this may be appropriate in some situations, we recommend you review this against your business insurance.  Your business insurance may have coverage limitations depending on the hold harmless language.  If you must indemnify the other party, limit the indemnification as much as possible. Negotiate the same indemnification for yourself.  An attorney can also help you understand unintended consequences that might arise from using, or agreeing to, a particular clause.
  • .         Disputes provisions are often part of all contracts.  Make sure that the provisions state that any dispute will be managed and settled in your state of operation.
  • .         Confidentiality agreement.  Many times you may be providing confidential information about your business or customers.  Consider including a provision requiring them to keep the information confidential and to secure the information in a manner consistent with applicable federal and state laws.


4.       Commercial or business insurance requirements should be included in every contract. If there is going to be any on-site work completed, make sure the agreement includes workers’ compensation insurance as well.

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, November 18, 2015

Does Your Production Company Use Sub-Contractors?

Why Your Risk Just Went Up

There are many reasons why you buy production or movie insurance. But the bottom line is that you buy commercial movie insurance to protect your assets and have claims paid fairly and promptly. You also want competitively priced insurance rates.

The National Labor Relations Board (NLRB) unveiled a new standard for determining which employees are considered employees and which are considered contractors. Over the past few months, most government regulators have been cracking down on businesses that misclassify employees as contractors. These rules may make more businesses responsible for labor law violations committed by contractors and staffing agencies in wage and hour benefits.

Previously, employers were responsible only if they had direct control over working conditions. This ruling will impact temporary staffing firms which currently employ over 3 million people. In some cases, these “contractors” may be deemed joint employees.

Most State governments are cracking down on businesses that try to skirt the employee/employer relationship by identifying certain individuals as contractors. Here is a good test:

The six factors, or questions, in the “economic realities” test include:
1.   Is the work an integral part of the employer’s business?
2.   Does the worker’s managerial skill affect the worker’s opportunity for profit or loss?
3.   How does the worker’s relative investment compare to the employer’s investment?
4.   Does the work performed require special skill and initiative?
5.   Is the relationship between the worker and the employer permanent or indefinite?
6.   What is the nature and degree of the employer’s control?


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.

Monday, November 9, 2015

You Have Just Been Sued…How What?

How To Prepare For A Deposition

Hopefully, you or your entertainment business will never be involved in litigation. But if you are sued, your business insurance will offer defense if the claim is covered under your business insurance policy. Your business insurance carrier will become involved with defending you in court, and part of that process includes depositions.

The deposition process will include the individuals involved in the litigation. This is where both sides interview the parties to get facts about the circumstances that cased the claims or loss. A deposition is a question-and-answer session that takes place in an attorney’s office. Usually present are the attorneys for the parties, the parties themselves, and a court reporter. It will be important to think about the following items as you plan for possible litigation.

Here are some things to thing about
  • .     Always be represented with legal counsel.
  • .     Do not be afraid to stop and ask your attorney questions.
  • .     You will be under oath, so tell the truth.
  • .    I f you do not know the answers say so.
  • .     Answer only the question, do no tell a story.
  • .     Do not guess.
  • .     If you need time to think about your answer, that is ok.
  • .     Never guess in response to a question!
  • .     Only answer the questions that are asked.


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 28, 2015

You Should Really Love Your Entertainment Insurance

Most of us would never say we love our insurance. In fact, most clients don’t even read their entertainment business insurance policy. Maybe after you read this story you may have a different opinion.

A small production company was filming a short commercial in a parking lot. One of the actors was set to drive up in a car and get out to promote the product. The actor could not stop the car and it ran into three by standers, causing serious injury, the resulting damages totaled over $15,000.

Know Your Business Liability Coverage
  • Bodily Injury--Bodily Injury to a third party.
  • Property Damage--Damage to a third party’s property (equipment building etc.).
  • Advertising Liability--Damages arising out of advertising, libel, slander, or invasion of privacy.
  • Products and Completed Operations--Liability arising out of the Nonprofit’s products or business operations and services conducted, excluding professional services.
  • Premises--Covers liability arising out of injury to third parties while on your premises.
  • Medical Payments--A general liability coverage that reimburses others, without regard to the insured's liability, for bodily injury while on your premises.

You should also pay attention to the exclusions in your business liability insurance policy. Some of the common exclusions are:
  • Pollution
  • Workers’ compensation
  • Directors and officers liability
  • Professional services
  • And more

Many of the exclusions can be added or purchased under a separate policy.
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 14, 2015

Combine Your Entertainment Insurance Policies And Save

Entertainment Insurance

The world is changing, and we understand the many issues that entertainment firms face every day. There is constant accountability to studios or clients, there are challenges in attracting and retaining top talent, and your cost of goods keeps going up. Part of your planning should include an annual business insurance review. We can offer a number of ways to save and improve on your business insurance program, including combining all your coverage into one “package”.

Did you know that many commercial insurance companies give discounts for combining your property, auto, liability, and even excess insurance into one program?
Here are the coverage’s we suggest you have for your business
  • .     Commercial property including camera equipment  
  • .     Commercial auto
  • .     Business liability
  • .     Excess liability
  • .     Entertainment Professional liability
  • .     Employment practice liability
  • .     Cyber liability
  • .     Employee dishonesty

A secondary benefit of combining your business insurance is that you have one place to get all your answers. If you have more than one agent working your program, there can be gaps and lack of accountability. With one professional agent you can trust them to have a complete view of your risks, exposure and then provide solutions to fit your needs.

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.


Tuesday, September 29, 2015

Does Your Entertainment Company Use Sub-Contractors?

Why Your Risk Just Went Up

The National Labor Relations Board (NLRB) unveiled a new standard for determining which employees are considered employees and which are considered contractors. Over the past few months, most government regulators have been cracking down on businesses that misclassify employees as contractors. These rules may make more entertainment firms responsible for labor law violations committed by contractors and staffing agencies in wage and hour benefits.

Previously, employers were responsible only if they had direct control over working conditions. This ruling will impact temporary staffing firms which currently employ over 3 million people. In some cases, these “contractors” may be deemed joint employees.

California regulators are cracking down on businesses that try to skirt the employee/employer relationship by identifying certain individuals as contractors. Here is a good test:

The six factors, or questions, in the “economic realities” test include:
1.   Is the work an integral part of the employer’s business?
2.   Does the worker’s managerial skill affect the worker’s opportunity for profit or loss?
3.   How does the worker’s relative investment compare to the employer’s investment?
4.   Does the work performed require special skill and initiative?
5.   Is the relationship between the worker and the employer permanent or indefinite?
6.   What is the nature and degree of the employer’s control?


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 9, 2015

Does Your Production Need Increased Liability Insurance Coverage?


Entertainment or production firms are not immune from large lawsuits. Large claims involve; injury or deaths on sets, copyright issues, cancelled events, talent contracts, and more.

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. An Umbrella Insurance policy protects your production from losing the entirety of your resources and assets in the event of a large claim. Umbrella Insurance provides limits above your primary commercial insurance program.

Here is one example. While shooting an advertisement on a California highway an auto accident caused injury to two production members and a third party. The crew were covered under workers’ compensation but the by stander was not. The third party sued the production company for $2,500,000 in damages.

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 manage the risks inherent to the client’s unique businesses.


Wednesday, August 26, 2015

Stunt Insurance Is No Accident!


Producers on action films need stunt professionals. Sometimes the production provides the insurance and other times the stunt performer may be required to carry their own insurance.
Many productions may even use stunts while filming a commercial or short film. Even training films often include stunts as part of the production.  However, many traditional entertainment insurance packages don’t automatically cover stunt work.

We can provide special stunt coverage for any production you are involved in. Directors and production companies can attain coverage for the following... Stunts, aerial scenes, falls, fight scenes, recreational vehicles, water scenes, weapons, precision driving, and animals. 

Here are a few if the stunts that should be insured:
  • Aerial Work
  • Fight Scenes
  • Animals
  • Scripted Falls
  • Special Driving
  • Use of Weapons
  • Underwater Work


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, August 19, 2015

Emerging Risks For The Entertainment Industry


Every entertainment company is different and has its own set of risks. We operate in a shrinking world, and the risks faced by local production companies are increasing and interrelated to what may be happening around the world. At John Hart Insurance we know and understand the entertainment industry. Your risks are changing and you need your insurance to evolve with your changing risks. Here are a few emerging risk management issues to be aware of.

Natural Catastrophes – In California, every business is subject to weather and other natural events. While business insurance may cover many of these, it pays to be prepared. Have you considered earthquake insurance? We suggest that every business have an emergency plan to help them manage through natural catastrophes.

Financing of Independent Films- Independent films are great, but they have many risks including loss of income due to fire, accident or even contract disputes. Make sure your film has proper insurance.

Cast Insurance - Reimburses the production company for any extra expense necessary to complete principal photography of an insured production due to death, injury or sickness of any scheduled performer or director.

Foreign Production – We all understand that traveling to a foreign country presents some logistical, social, and legal issues that should be thought through prior to travel. Traveling with a complete cast and crew to a foreign country to film a movie, compounds all those logistics.


The Workforce – The workforce is getting older, businesses must attract new and younger employees. It will be important for businesses to consider things like remote workers, flex time, and a more creative working environment, to attract the next generation of workers. In addition, employers must consider increasing benefits packages, retirement programs, and other non-financial perks. 

Tuesday, June 23, 2015

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, May 28, 2015

Five Tips To Help You Save On Your Next Entertainment Insurance Renewal


Entertainment Insurance Renewal
Your business insurance is an important part of your risk management program. It is important to have the right insurance coverage, competitive pricing and the right insurer. We have found at least five factors that are important to manage when renewing your business insurance program.

Business Insurance
A business insurance program can include commercial property, auto, commercial liability, employment liability, workers’ compensation, professional liability and excess liability.

Insurance Renewal Tips
  • Provide complete information about your operation. Paint a picture that describes what you do and how well you do it. You have to sell the underwriter on what is different about your operation and how the insurance company needs to insure your risk, because you are above average.
  • Use an independent agent. We are best equipped to provide you with the best combination of coverage, price and service.  John Hart specializes in entertainment insurance.
  • Have a well-managed safety program.
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, May 21, 2015

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, April 22, 2015

What Does Outstanding Customer Service Look Like?

Superior Insurance Service For The Entertainment Industry

Have you left a business and thought, “How are they even in business”? Or have you gotten off the phone and said, “They don’t understand or care about my needs or even respect me”?  We have had those experiences, and we don’t ever want any of our customers to feel that way about our firm. 
Outstanding customer service can mean something different to each person. However, we believe there is a basic underlying attitude of a firm that provides outstanding customer service. We would like to share our thoughts on what our firm believes contributes to outstanding customer service. 

Outstanding customer service is a mindset that we want every employee to have. 
We practice three basic principles when relating to clients: empathy, appreciation and helpfulness.
  • Empathy - We will consider and understand your opinion and needs. We will educate you on the details of insurance so that you can make an informed decision.
  • Appreciation - You are important to us and you should be told so. We will value our relationship with you and treat you with respect and trust.
  • Helpfulness- When you call our agency you will talk to a licensed professional who lives and works in the community. We will listen to your requests and provide thoughtful responses. We will always say thank you. We know you have choices when it comes to selecting your insurance agent, and we appreciate that you have chosen us.

Here are other guiding principles that every agency should live by
  • Do what you say you are going to do. If you say the certificate will be delivered by 10:00 am Tuesday; deliver it before or on time.
  • Own your mistakes. No agency is perfect, so when a mistake is made, take responsibility and identify corrective measures to prevent it from happening again. 
  • Care about the customer. Genuinely care about your customers and their experiences. When a loss occurs we will get involved as if the loss happened to us. 

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, April 9, 2015

How Does Business Liability Insurance Impacts Entertainment Companies?


Business Insurance

The world is changing, and we understand the issues entertainment businesses face every day. There is constant competition for your customers, there are challenges in attracting and retaining top talent and your expenses keeps going up. Your entertainment business changes, and so do your exposures. Here are some of the major kinds of liability coverage found in most business insurance programs.

Entertainment Liability Insurance

·         Bodily Injury - Bodily injury to a third party.
·         Property Damage - Damage to a third party’s property (equipment building etc.).
·         Cast Insurance - Reimburses the production company for any extra expense necessary to complete principal photography of an insured production due to death, injury or sickness of any insured performer or director
·         Personal Injury - Injury to the mind or emotions, as opposed to an injury to property.
·         Products & Completed Operations - Liability arising out of products you sell or business operations and services conducted, excluding professional services.
·         Premises - Covers liability arising out of injury to third parties while on your premises.
·         Professional Liability – Covers legal liability and defense for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters, plots, plagiarism, unfair competition or piracy. Also protects for alleged libel, slander, defamation of character or invasion of privacy. This coverage will usually be required by a distributor prior to release of any theatrical or television production.
·         Umbrella - Provides excess liability over primary auto and commercial liability 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.


Thursday, March 26, 2015

Why The Film Industry Needs Independent Insurance Agents

John Hart Insurance is an independent agent, this means we don’t work for any one insurance company. We have access to many markets, giving us the ability to shop your film, production or entertainment Company to many markets, for the best option for you. With captive insurance agents, like the big national companies, you only get the guidance of one company that sells one brand of insurance. With an independent insurance agent, you might get up to eight choices. There are a number of benefits to working with us:

  • We will work with you to make sure your claim is processed to your satisfaction
  • We provide a number of coverage options
  • Are not obligated to any one company
  • John Hart and his staff know and understand the entertainment industry
  • We search the market for the  best combination of price and coverage
  • We are committed to exceeding your expectations
  • You are who we answer to, not a board of directors in NY
  • We are licensed professionals with strong customer and community ties
  • Our staff is qualified and trained to explain coverage in understandable language
  • We can review coverage and make necessary changes based on your needs


When you work with us, we will give you unbiased advice.  As an independent insurance agent we are very knowledgeable about all the companies that exist in the marketplace. We know which companies have the best track record when it comes to pleasing their policy holders. We can narrow your options down and help you choose between the best insurance companies in the market. Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.
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.


Monday, March 16, 2015

Leased or Rented Equipment For The Entertainment Industry

Like many organizations, your production company may rent or lease equipment from time to time.  There are many reasons why production companies rent equipment. Perhaps you are planning a short term film and need to rent lights or other equipment. Or your management company is sponsoring a concert, and you need to rent a sound system. 

It is important to have an understanding of who is responsible for the rented equipment, and that your understanding is consistent with the written rental agreement. Not all rental agreements are the same. Some rental agreements will include property damage insurance as part of the rental fee. Other rental agreements may require the nonprofit to be responsible for all damage. And finally, some rental agreements may require you to pay a deductible if there is damage. This can be very confusing especially if you are leasing or renting a high value item.

There are many important things to remember when considering a rental agreement:

1. Leasing companies come in many varieties including banks, brokers, equipment specialists, independents, and companies of all sizes.  Each has different levels of flexibility and requirements.
2. Understand what the rental/lease agreement says regarding repairs, maintenance, and upgrades. This applies more to long term leases rather than short term leases.
3. It may be in your best interest to insure the equipment separately. This may be more cost effective depending on how the agreement is written.

Leased or Rented Equipment Insurance
• Coverage is available for a wide variety of property, during production or while in your care, custody and control.
• Property located on or off your premises.
• Property in transit.
• Coverage generally can be provided for risk of direct physical loss.


The bottom line is, when you are deciding to lease equipment, be certain you are aware of all costs involved with the transaction. Then, balance the costs against the benefits to make the appropriate choice for you and your organization.

Thursday, February 26, 2015

Your Event Was Just Cancelled…Don’t Worry


John Hart Insurance Offers Event Cancellation Insurance

No matter how well events are planned and organized, there are many things that can go wrong which can cause the event to be cancelled.

Event cancellation insurance provides protection for organizations, event planners, production companies and others that host conventions, plays, concerts, trade and consumer shows.  Coverage is available for indoor and outdoor events held nearly anywhere in the world. If your event is cancelled, you still may have legal and financial obligations. If you are holding a concert, comedy show or other entertainment event, call John Hart today.

Event cancellation Insurance can cover expenses or lost revenue that you might stand to lose if the event you are managing or promoting is cancelled or postponed due to unforeseeable reasons beyond your control.

Insurance coverage can include protection from adverse weather, heavy rain, fire, collapse or destruction of the event site, damage to surrounding venues or infrastructure, disease outbreak resulting in lack of access, power failures, and strikes. Other coverage can include non-appearance of a key speaker or entertainer, failure to vacate the event facility, and physical loss of personal property and door registration receipts. 


You have a lot invested in your event, and event insurance is a good way to protect that investment. No matter how much time, energy and money you invest in your events, there may be factors beyond your control that can cause costly cancellations or interruptions. 

Wednesday, February 18, 2015

John Hart Produces The Right Kind Of Insurance

Here is a list of how we can help you keep you production on time and on budget

We work with many different kinds of entertainment firms, and we have a motto, “If it is fun, we insure it.” We have a great line up of insurance stars that are sure to keep your entertainment company strong!

Producers Errors and Omissions – Covers the legal liability and defense for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters, plots, plagiarism, and unfair competition.

Foreign Production Insurance - Covers the liability associated with production in foreign countries.

Animal Mortality - Animal Mortality insurance will pay an agreed value for your animal actor if it dies from any accidental or natural cause.

Short Term Entertainment Insurance - This is the same quality insurance for those productions that take only a few days or weeks.

Stunt Insurance - Many productions use stunts while filming their movie, commercial, or short film. Even training films often include stunts as part of the production.

Cast Insurance - Cast coverage is intended to reimburse the production company for extra expenses to complete the production due to the death, injury or sickness of any insured artist(s). Coverage can be expanded to include illness, but only after the individual is medically examined. At that time the insurer will extend coverage to include illness. Coverage can also include kidnapping of any artist or director.

Participant Accident Insurance - Participant Accident Insurance can provide accident medical benefits and, at the sponsor’s option, may include accidental death, dismemberment, dental and disability benefits, as well.

Property Insurance - If you have special cameras or other expensive equipment. We can offer replace cost insurance for you.


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 business.

Wednesday, January 28, 2015

Film Producers Insurance Check List 2015


Film Producers Insurance Check List

Movies, films, documentaries and short films entertain us and may even bring a tear to our eyes. But for film producers, an uninsured loss can bring tears to their eyes as well. John Hart Insurance Agency offers a check list for film producers to make sure the right insurance is in place.

“So you say I have a chance?”

If you are involved in any of these kinds of productions, you need to have a comprehensive entertainment policy.
  • Television or film productions
  • Commercials
  • Documentaries
  • Music videos
  • Educational films
  • Corporate productions
  • Commercial photographers

“I'm gonna make him an offer he can't refuse.”

These are common risks shared by most productions
  • Cast insurance
  • Production errors & omissions
  • Damage to props and other equipment
  • Copyright infringement
  • Intellectual property
  • Rented and leased vehicles
  • Animal mortality


“Carpe diem. Seize the day, boys. Make your lives extraordinary.”


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.

Thursday, January 22, 2015

Our Top New Year’s Entertainment Insurance Issues


The following information may not make the lineup of any late night TV show, but it can help your entertainment company become more profitable.
  • Production insurance will continue to be an important part of every production. We provide policies for all budgets sizes; from low budget film production shoots to large studio budgets.  One day shoot or annual blanket production coverages are also available. 
  • Entertainment Equipment is expensive to replace and is easy to insure. We provide all risk, worldwide coverage for scheduled entertainment related equipment including Cameras, Production, Editing, Musical, Theatrical and Miscellaneous items.
  • Event Cancellation can shut down your production company. Event cancellation insurance protects revenue or expenses from an event against cancellation or postponement of the event for reasons beyond the control of the event organizer.
  • Reality TV and Film Productions. This is a very growing segment of our industry. Types of programming including game shows, variety shows, webisodes, and documentary filming. With the rapid growth of “reality programming”, it is important to have a broker who understands the needs of the entertainment industry.


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.