Best Practices for Entertainment Property Losses

Movie Insurance Update

Most every entertainment business owns business property, which may include the building in which you run your operations.  Property insurance protects the physical assets your business owns – such as computers, props, movie sets, camera equipment, office equipment, buildings, furniture, fixtures, and other property.  Every entertainment business should have a comprehensive property insurance portfolio to respond to the many risks associated with property ownership.

We hope to help you indemnify a proactive plan in the event of a fire, theft, storm, or some other kind of damage that might involve your entertainment insurance policy.  There are a number of actions you can do to help get the best possible settlement from the insurance company.

Pre-Loss Practices

• Maintain vital records
• Have photos of all buildings, major equipment, etc
• Blueprints- keep complete sets
• Property inventories
• Financial records
• Appoint key individuals as communicators
• Have emergency response plan
• Secondary locations identified

During The Loss

• Notify the insurer
• Protect the property
• Track claim costs
• Separate budget line items
• Keep records of all internal and external costs
• Make temporary repairs
• Communicate with insurer as to the use of any consultants
• Meet regularly with the agent and Insurer
• List and address key issues and concerns
• Note any changes from original design
• Will you rebuild or not?
• What might cause delays?

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.

Heat Stress Prevention For The Entertainment Industry

As summer approaches, workers all over Los Angles and the rest of the country will experience the risk of heat stress.  Heat stress is especially prevalent in the summer months due to climate changes in July and August. Summer is the time when outside performances and other related work increases.

Heat stress is a signal that says the body is having difficulty maintaining its narrow temperature range. The heart pumps faster, blood is diverted from internal organs to the skin, breathing rate increases, and sweating increases, all in an attempt to transfer more heat to the outside air and cool the skin by the evaporation of sweat. If the body can't keep up, then the person suffers effects ranging from heat cramps to heat exhaustion, and finally to heat stroke.

Workers at risk of heat stress include outdoor workers and workers in hot environments such as set construction, stunt workers, outside theater productions, filming and others. Workers at greater risk of heat stress include those who are 65 years of age or older, are overweight, have heart disease or high blood pressure, or take medications that may be affected by extreme heat.  Source: The Centers for Disease Control and Prevention (CDC)

Prevention Tips

• Drink water frequently and moderately. 
• Take breaks and rest periodically out of the sun and heat.
• Eat lightly.
• Do jobs that are more strenuous during the cooler morning hours.
• Utilizing ventilation or fans in enclosed areas.
• Remembering that it takes about 1-2 weeks for the body to adjust to the heat; this adaptation is quickly lost – so your body will need time to adjust after a vacation.
• Avoiding alcohol consumption. Many cases have occurred the day after a "night on the town”.
• Wear light-colored, cotton clothes, and keep your shirt on; desert nomads do not wear all those clothes for nothing.

Additional sources: CAN

We will review your entertainment insurance and compare them to your operations to make sure that you have the coverage that matches your risk.  Make sure your workers’ compensation coverage is designed to cover your legal obligations.

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.