Monday, October 30, 2017

Does Your Entertainment Business Need an Insurance Review?

Benefits of a Business Insurance Review

Every Entertainment company, at some time, should have their entertainment insurance reviewed by an independent insurance agent like John Hart Insurance. If it has been more than a year since your last review, now may be a good time. We review all our clients’ insurance needs on a regular basis. There are many benefits to an insurance review including:
·         Prices change and a review can determine if you are getting competitive rates on your insurance.
·         Your coverage needs may have changed and your policy should reflect these changes.
·         There may be new insurance companies to which we have access.
·         Laws and regulations are changing and may require a different kind of insurance

Why Review My Entertainment Insurance?
  • We have identified a number of questions that might indicate your business insurance is out of date.
  •  Did you purchase any new equipment?
  • Are you planning any foreign productions?
  • Do you have new talent on contract?
  • Are you involved in any new partnerships?
  • Have you seen an increase in your claims?
  • Do your vehicles cross state lines?
  • Have you experienced growth?

We live in interesting financial times and making sure we save money wherever we can is very important. Having us preform an insurance review might just be what is needed to protect your assets while putting money back in your pocket.


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 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

We Can Insure Your Stunts


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.


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.