What Kind Of Insurance You Need To Shoot A Production Short

Every day in Los Angles there are literally dozens of production companies shooting, commercials, training films, full length motion pictures and documentaries. All these activities bring with them 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 what 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 film, television pilot, commercial, or 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 you’re working on.

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.

Allow Us To Manage Your Entertainment Insurance Program

An Entertainment Insurance Update

We recommend you start 2018 strong by having us complete a review of your entertainment insurance program.  We will review your exposures to risk and compare these to your current coverage.  If we do not find any gaps, we will tell you, and if we do find gaps, we will provide recommendations to you.

Here are some things you can do today to strengthen your business insurance program for 2018:

•        Read your insurance policies. It is better to know what coverage you have before a loss occurs.
•        Meet with your agent and have him/her review your program and make recommendations.
•        Review your losses over the past few years and determine if there are any areas where improved safety might help reduce losses.
•        Take advantage of any loss prevention services offered by your business insurer.
•        Consider adding additional coverage like Professional liability, media liability, or copyright infringement, employment practices liability, or a commercial umbrella policy.
•        Review all your safety policies to make sure they are up-to-date
•        Make safety training a priority in 2018 with safety incentives for accident-free months.

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.

Rental House Coverage for the Entertainment Industry

Rental houses and other post-production facilities are an important part of the entertainment industry.  These locations all have unique exposures that need to be insured.  Our agency has the markets for this type of risk, and can offer you many options for your rental house insurance.

What Kind of Coverage Do Rental Houses Need?

•          Commercial General Liability
•          Umbrella
•          Workers’ Compensation
•          Crime Coverage
•          Equipment Breakdown Coverage
•          Property of others in your care
•          Commercial Business Automobile
•          Commercial Property
•          Earthquake or flood insurance
•          Business Interruption
•          Entertainment Property Floater

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.

Equipment Floaters For The Entertainment Industry

Your entertainment company may own specialized equipment, like cameras, props, sets, or other production equipment that you take on location. You also may have a need for special floater coverage for a short period of time or as part of your overall insurance program. No matter what the case we can help with the best possible combination of coverage, price and service.

Entertainment Equipment Floater

•          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, including earthquake.

Types of Equipment Covered

•          Cameras
•          Production equipment
•          Sound equipment
•          Theatrical equipment
•          Editing equipment
•          Musical instruments
•          Other misc. equipment

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.

Insurance For Production Companies

We get questions every day regarding what are the common coverage’s found in commercial property insurance for film and production companies. Part one of our series, film & production company property insurance, we will review; definition of covered property, leased or rented property, accounts receivable, extra expense, and business personal property. Let’s get to it.

Definition of Covered Property-Covered property includes your equipment and related property used in the entertainment industry including audio, visual, computer, recording, lighting and projection equipment, wardrobes, props, costumes, and fine arts, as well as similar property of others that is in your care, custody, and control.

Property Loaned, Leased or Rented to Others-You’ll have coverage for direct physical loss to covered property you own that you loan, lease, or rent to others.

Accounts Receivable- Coverage is provided to reestablish accounts receivable records damaged as a result of a covered, direct physical loss.

Extra Expense- Commonly used equipment is easily and quickly replaced. Specialized or customized equipment may not be. To help you keep your performance commitments, your policy can cover the necessary and reasonable expenses up to a specific limit to expedite the repair or replacement of covered property. We can also cover the expenses to temporarily rent replacement property until your damaged property can be reasonably repaired or replaced.

Business Personal Property-Your policy covers direct physical damage to your business personal property resulting from a covered cause of loss.   

      

Note: All coverage described here would be subject to specific limits depending on policy terms

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.

We Insure Fun

John Hart Insurance takes insurance seriously. But we understand that our clients are in the entertainment business, and many times that is fun. You are providing fun and relaxation for the public. Here are just a few of the kinds of entertainment we insure and the most common risk associated with each.

•          Concerts- Injury to spectators
•          Feature Films- Injuries to cast members
•          Theme Parks- Injury to guests
•          Theater Productions- Damage to props and wardrobe
•          Documentaries- Copyright infringement
•          Commercials- Property damage
•          Short Films- Errors and omissions
•          Promoters- Contractual liability
•          Special Events- Event cancellation
•          Photographers- Owned Equipment
•          Television- Injury to cast and animals
•          Video Productions- Negative film and videotape damage or loss
•          Film Schools- General liability
•          Touring Performers- Non-appearance and cancellation

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. 

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.