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.

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.

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.

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.

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

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.

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.