What Does Property Insurance Cover?

Entertainment Property Insurance

John Hart Insurance has provided all facets of the entertainment industry with highly specialized insurance coverage and service. Whether it's for crew, talent, props, equipment, or intellectual property, our experts can satisfy your unique insurance needs.

Most of our entertainment clients purchase property insurance. There is a variety is coverage options depending on your individual needs.

Types of Industries we insure

•      Commercial films
•          Music videos
•          Musicians
•          Concert promoters
•          Entertainers and performers
•          Performance venues
•          Commercials, documentaries, industrial & educational training films
•          Commercial films
•          Music videos
•          Musicians
•          Broadway productions
•          Rental houses
•          Concert promoters
•          Entertainers and performers
•          Performance venues
•          Commercials, documentaries, industrial & educational training films

What are the kinds of property coverage needed in the entertainment industry?

•          Property in transit and temporary locations
•          Insurance for buildings and office equipment
•          Property for special props and sets
•          Specialized insurance for cameras
•          Intangible coverage: Includes patents, scripts, copyrights and trademarks
•          Computer virus protection: Covers the loss of data and business through computer viruses
•          Crime and employee dishonesty
•          Business income and extra expense
•          Boiler and machinery coverage

We can examine your current policies to see if you have the coverage you need. Just request an insurance review. An experienced agent will meet with you to go over your policies and explain any details you might not be sure about. As an independent commercial insurance agency we work with a variety of insurers who may be able to provide a quote for your property coverage that could save you money as well.

Common Claims for 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 the client manage the risks inherent to their unique businesses.

Common Entertainment Industry Claims

•             A production company was contracted to complete a film with certain time and budget constraints. The production came in 30% over budget and 120 days late. The production company was sued for failure to perform per the contract terms.
•             An event planner scheduled a concert with an international performer. The event was planned and scheduled, with over 5,000 tickets sold. The performer got sick two days before the event and had to cancel. The event planner had Event Cancelation Insurance and had the resources to settle all claims and reschedule the event for a later date.
•             A production company had $200,000 worth of equipment damaged on set by a sudden wind and hail storm. Insurance provided full recovery.
•            A post production firm was contracted to produce 20,000 DVD’s for the Christmas season. Due to production issues the firm missed the release time and the owners of the DVD sued the firm for lost revenue.

We can help you design an insurance product that meets your individual needs, Call us today!

Multimedia Production E&O Insurance

Multimedia Production Errors & Omissions Insurance

Multimedia Production Errors & Omissions Insurance protects the Production and/or Distribution Company from various lawsuits that allege a third party has suffered a loss. Some of the most common kinds of claims come from:

Multimedia Production Errors & Omissions Insurance protects the Production and/or Distribution Company from various lawsuits that allege a third party has suffered a loss. Some of the most common kinds of claims come from:

• Libel, slander or other forms of defamation- Did the material damage someone’s reputation? Was there false or inaccurate information stated about someone?
• Infringement of copyright- Did you use material, images, or a script without persimmon?
• Unauthorized use of names, trade names, service marks, titles, formats, ideas, characters, character names, characterizations, plots, musical compositions, performances, slogans, program material or any similar material.

There are many types of actions that can cause a third party to sue you, your production company, individually or collectively. Having the right kind of insurance will protect you from incurring expenses--even if you are in the right.

We always recommend a policy and operational review before we suggest specific coverage. But here are a few coverage highlights:

• Limits of $1,000,000 to $5,000,000. More if needed.
• Title coverage
• Merchandising coverage
• Worldwide coverage
• Ability to add additional insured

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 the client manage the risks inherent to their unique businesses.

We handle many kinds of entertainment risks including; Animation, Commercials, Documentaries, Educational & Training, Feature Films, Industrials Infomercials, Music Videos, Radio Series, Television, Theatrical Productions, Training Videos, Video Distributors

Special Event Insurance

Entertainment Special Event Insurance

Whether you are a production company, studio, independent film company, event planning company, or a private firm planning a client event, Special Event Insurance should be part of your planning. Special Event Insurance can provide the necessary security to ensure that if something does go wrong, you and your guests are protected.

What is Special Event Insurance?

There are many different kinds of Special Event insurance.  Special Event Insurance is designed to protect the event sponsors or planners against liability claims associated with the event. Claims can come from participants, vendors, and other third parties. Depending on your event, there is insurance coverage that addresses the specific risks. Here are a few of the different kinds of events that require insurance

Festivals - Music/Concert Events - Holiday Festivals - Private Business Events –Cast Parties – Media Events – Special Showings and more

What Kind of Insurance Should I Have?

Here are the different kinds of insurance that you should consider when holding your event. There is other coverage that you may need, but I wanted to identify at least three:

General Liability- General Liability insurance provides bodily injury, property damage, and personal injury to third parties arising out of the negligence of the event sponsors or organizers. 

Liquor liability- If you are serving alcohol at your event, you need to make sure there is Liquor Liability coverage in place. Liquor Liability Insurance provides protection from claims relating to the sale, distribution, serving, or use of alcoholic beverages.

Event Cancellation- Event Cancellation Insurance is one of the most important items to consider. Event Cancellation Insurance protects the event planners or hosts from an unforeseen circumstance that requires the event to be canceled. It would provide funds to cover deposits and other costs that you may have already paid. Unforeseen circumstances could be related to weather, construction at the venue, or illness of the featured speaker or entertainer.

Do Summer Interns Increase Your Risk?

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. Offering paid or non-paid internships can create risk for your business. We wanted to highlight some of the business risks associated with having interns. Before you bring that person on board, make sure your insurance is well prepared.

• You should have a written plan. It should include a 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. We suggest having a formal agreement indemnifying the terms of the agreement, including the time period of the internship.
• 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.
• The internship cannot be for the sole benefit of the company.
• The intern must not replace regular employees, and should work under the close supervision of existing staff.
• 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.

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.

Planning a Documentary? Make Insurance Part of Your Planning

Documentaries come in many forms. Some take years to shoot and produce, while others may only take a few months. No matter how big or small, having the proper insurance for your documentary can be one of the most important things you can have. All the activities associated with filming a documentary bring unique risks that should be insured. And when it comes to entertainment insurance, John Hart Insurance has the solutions.

Here is a short overview of coverage you might consider:

·   Rented Equipment

·   Owned Equipment

·   Cast Coverage

·   Props, Sets and Wardrobe

·   Negative & Faulty Stock

·   Third Party Property Damage

·   Extra Expense

·   General Liability

·   Automobile Liability and Physical Damage

·   Workers Compensation

Once a documentary is finished, the next step is normally distribution. Most distributors will require the production company obtain an Errors and Omissions policy on the production. If you are a distributor, you should always carry your own E&O policy, in addition to requiring each of the productions you distribute to be covered. When purchasing your insurance policies, it is once again important to remember that the amount of coverage you purchase is wholly dependent upon the type of project on which you are working.

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.

The True Value of an Independent Agent

John Hart Insurance is an independent agency. This means we don’t work for any one insurance company. We have access to many markets that specialize in the entertainment industry, giving us the ability to shop your account, and search the market for the best option for you. With captive insurance agents, you may only get the guidance of one company that sells one brand of insurance.

The Value of John Hart Insurance

• John Hart Insurance specializes in the film and production industry that is all we do. We know and understand your industry.
• We have over 60 years of combined service.
• Our focus is exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.
• 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
• We search the market for the best combination of price and coverage
• 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

There is no singular insurance company that is the best for everyone. As independent agents, we can find the right company for your specific needs. And as your needs change, we’ll always have an insurance company that is right for you.

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