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.

Wednesday, July 5, 2017

Leased or Rented Equipment For The Entertainment Industry


Like many in the entertainment industry you may rent or lease equipment from time to time. You may be planning a special event and need a tent to accommodate 250 people as part of a fund raising activity. Or, perhaps you are renting a sound system for a concert, or leasing office equipment such as your copier.  These kinds of activities create added risk to organization.

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 you 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:
  •           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.

  •           Understand what the agreement says regarding repairs, maintenance, and upgrades. This applies more to long term leases rather than short term leases.
  •           It may be in your best interest to insure the equipment separately. It may be more cost effective depending on how the agreement is written.


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 

Tuesday, June 27, 2017

We Can Show You Simple Ways to Save on Your Entertainment Insurance


An Entertainment Insurance Update

Your business provides important and needed services to your customers and is a cornerstone in the community.  You also have the responsibility of employing many good people.  It is important to have the best possible combination of business insurance coverage, pricing, and service.
We can help you design an entertainment insurance program that is right for your individual business. 
We understand that having the right business insurance program can be the difference between recovering from a loss or going out of business.

Business Insurance Considerations
·         Do not overlook needed coverage like employment practice liability, business income, and cyber liability.  A business owner’s policy or “BOP” might be a good option for you.

·         Work with an independent agent. We can help by recommending coverage options and searching the market for the best options for your business.

·         Consider combining your business coverage with your commercial auto to provide additional discounts.

·         Have your agent educate you on what kind of business insurance you may need.

·         Make sure you read your insurance policies.

·         Request that your agent perform an annual program review.  This is a good way to determine if you need other coverage because of business changes.

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, June 22, 2017

Common Mistakes Made When Purchasing Entertainment Insurance



Business Insurance 101

We work with hundreds of businesses and help them manage their commercial insurance programs. Our team recommends coverage and risk options as part of our regular services. Over the years, we have seen some businesses make preventable mistakes when considering their insurance coverage.  We thought it would be good to share these with you.

Entertainment Insurance Mistakes
Mistake: Assuming you do not need an agent.
Your agent can provide valuable services including educating you on what coverage you need and may not need.  Your agent can search the market for the best possible combination of coverage, price and service.

Mistake: Thinking that your policy covers all losses.
Your business insurance policy is intended to cover unexpected losses and accidents subject to the policy terms.  There are limitations and exclusions in every policy.

Mistake: Assuming that the lowest price is the best option.
It may be that the lowest priced insurance excludes needed coverage.  Your agent can help you determine the best coverage option for you.

Mistake: Not including cyber liability, employment liability, and professional liability in your business insurance program.

In today’s litigious climate, all businesses need to be protected with this coverage.
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, May 22, 2017

We Specialize In Entertainment Insurance


The entertainment industry creates fun, educational and even inspirational movies, TV, film and more. With this activity comes a certain amount of risk. Risks can include lost or damaged equipment, injury on sets, copy write litigation, injury to cast and crew and more. Our job is to partner with our clients to help them reduce their risk and protect their assets.

Here are some of our key products and services:

Insurance For Props, Sets and Wardrobe: Covers damage to specific equipment during production or events.
Producers Errors & Omissions: 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.
Workers Compensation: Covers injury to crew members as required by state law.
Insuring Equipment: Covers cameras, sound/lighting equipment and rented or leased equipment.
Cast Insurance: Covers production companies’ extra expenses in the event of death, injury or illness to performers.
Comprehensive Liability Coverage: Protects the production company against claims for bodily injury or property damage liability arising out of filming. Coverage includes use of all non-owned vehicles (both on and off camera) including physical damage to such vehicles. This coverage will be required prior to filming on any city or state roadways, or any location sites requiring filming permits.

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, April 24, 2017

Every Entertainment Business Should Consider These Three Coverages

A Business Insurance Update
One of the best things a entertainment business owner can do to protect his or her business, is to have a business insurance program that covers your business in the best way possible.  Your business insurance program should include; Faulty Stock, Camera and Processing,  Employment Practice Liability, and Errors & Omission Liability insurance.  These coverage’s can often be bundled together through a management liability policy.

Employment Practices Liability (EPLI)
EPLI insurance provides coverage for claims involving employment harassment and discrimination in the employee/employer relationship.  Examples of these kinds of claims are wrongful dismissal/termination, sexual/racial/disability harassment, sexual/racial/disability/religious discrimination, employment related libel, slander, defamation and invasion of privacy, wrongful failure to employ or promote, and retaliation.

 Faulty Stock, Camera and Processing
Covers loss, damage or destruction of raw film or tape stock, exposed film (developed or undeveloped), recorded videotapes, sound tracks and tapes, caused by or resulting from fogging or the use of faulty materials (including cameras and videotape recorders); faulty sound equipment; faulty developing; faulty editing or faulty processing; and accidental erasure of videotape recordings.

Errors and Omissions
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.

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 12, 2017

John Hart Insurance Offers Event Cancelation 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.


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, March 29, 2017

The Top Five Things Every Entertainment Company Needs To Consider

An Entertainment Insurance Update

Your business needs the right entertainment insurance in order to protect you from the many risks to which you are exposed.  Business insurance will respond to many of your risks subject to the terms and conditions of your policy.  Here are the top five things every business owner needs to consider when securing commercial insurance.

Our “Top Five” List

  • Use an independent agent who is experienced in your industry.
  • Select your agent based on their qualifications, not because they offered you the lowest priced policy.  Buying low priced business insurance sounds good-- until you have an uninsured claim.
  • Consider increasing your property deductible. Many businesses can save a lot of money simply by increasing their deductible to $2,500 or even $5,000.
  • Higher liability limits can be purchased for a relatively small amount.  Consider an umbrella policy which would increase your protection.
  • Always consider cyber risk, employment practices liability, and professional liability coverage. 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.



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.

Friday, March 24, 2017

What is Your Biggest Business Fear?

An Entertainment Insurance Update

In a recent study conducted by the Business Continuity Institute, the threat of cyber-attack is one of the biggest fears of large companies.  However, did you know that according to the Insurance Information Institute, small businesses actually have a greater chance of having a cyber-attack than they do of having a fire?  It is very important that your business insurance program have cyber coverage.  If you are not sure you have this coverage, call our office today.

Other Business Concerns
Our clients often share current business concerns with us, and together we help find solutions.  Some of these include:
  • Business Interruption - Business Interruption Insurance keeps you financially stable if you are forced to vacate your business premises or if you had a production shut down for some reason. .  You can continue to provide your employees with pay and manage bills during the period in which the business cannot operate.
  • Attract top Talent – Getting the top people has always been an important part of business planning. It is important to keep your employees engaged and energized in the business process and planning.
  • Social Media Activity – Social media can be a good tool to enhance your businesses brand and reputation.  The downside is that social media can also be inflammatory.  We recommend that you have a social media policy that outlines what employees can and cannot post regarding your business. 
  • Regulatory Risk -The regulatory climate is always changing for businesses.  Almost every month there is some new law, regulation, or statue with which your business must now comply.  Remember, your business insurance generally does not cover fines or penalties imposed by Local, State, or the Federal Government.



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, February 22, 2017

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 coverage 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.

Wednesday, February 8, 2017

A Little Preparation Can Get Your Entertainment Business Running After a Loss

A Entertainment Insurance Update

No one wants to think about an event so severe that it would cause your business to close.  However, disaster planning needs to be part of your ongoing business plan.  Major events can include floods, storms, data breach, fires, accidents, death of an owner, or lawsuits.  Whatever the risk, a little pre-planning can go a long way toward getting your business up and running again.

A key part of your plan should be a review of your business insurance program.  Your business insurance should include the following:

  • Property Insurance: Covers your buildings, equipment, machines, and other property from loss or damage. Coverage should include business income coverage.
  • Commercial Liability Insurance: Provides coverage for bodily injury and property damage you cause to others.
  • Commercial Auto Insurance: Covers your company vehicles if they are involved in an accident. It can also cover your business if you, or an employee, uses a personally owned vehicle on behalf of the business.
  • Cyber Liability Insurance: This insurance can protect your business from a data breach.  If your business stores sensitive or non-public information about employees or clients, you are responsible for protecting that information. 
  • Management Liability Insurance: Management Liability can encompass these important business insurance coverage’s; Professional liability, and Directors and Officers Liability.
  • Having the right kind of entertainment insurance is not the only thing your business should consider. 

You need to develop a plan in the event your business is shut down.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, January 24, 2017

Are You Ready To Renew Your Entertainment Insurance?


Business Insurance Renewal

Your entertainment 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.

Entertainment Insurance

An entertainment 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.
·         Combine your property, auto and liability with one insurer if possible. You will receive package discounts.
·         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. John William Hart III Insurance Agency, presents a brief description of the various types of insurance coverages available to the Motion Picture and Television production company. These descriptions are general in nature and are not a complete explanation of the policy terms. 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, January 11, 2017

John Hart Insurance Has Your Interests In Mind

An Entertainment Insurance update
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 entertainment 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.

Here are some of the entertainment risks we can cover
  • Cast insurance
  • Production errors & omissions
  • Damage to props and other equipment
  • Copy write infringement
  • Intellectual property
  • Rented and leased vehicles
  • Animal mortality

Here are the type of operations we have experience with
  • Television or film productions
  • Commercials
  • Documentaries
  • Music videos
  • Educational films
  • Corporate productions
  • Commercial photographers

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 entertainment 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.

Our goal is to provide exceptional service while giving you peace of mind so you can focus on what you do best, create. Give us a call and let us show you how we can save you time and money on your insurance.