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Film Production Insurance

Film production insurance is a necessity for any film production, whether it’s a feature film, a documentary, a TV show, or a music video. It’s an integral part of budgeting and planning for any production, and it can protect you from any number of unexpected costs and problems. 

It is a type of insurance that covers various risks associated with producing a film. It can cover costs related to accidents, injuries, equipment damage, legal liabilities, and more.

Film production insurance is typically broken down into two categories: primary insurance and excess insurance. Primary insurance is the first line of defense against losses, covering everything from general liability to workers’ compensation and property damage. 

Excess insurance is designed to provide additional coverage beyond the limits of the primary insurance, and is typically used to cover more specific risks, such as theft and destruction of equipment.

Who Needs Film Production Insurance?

Anyone involved in producing a film should consider purchasing film production insurance. This includes filmmakers, producers, directors, actors, crew members, and anyone else involved in the film’s production. 

It’s important to remember that film production insurance is not just for the film itself but also for the people involved in the production. Accidents and injuries can occur during filming, and film production insurance can protect everyone involved from financial losses due to such incidents.

Types of Film Production Insurance

There are a variety of different types of film production insurance available. Here are some of the most common types:

  • General Liability Insurance covers any legal expenses related to accidents or injuries that occur during the production of the film.
  • Property Damage Insurance covers any losses related to damage to equipment or other property during the production of the film.
  • Workers’ Compensation Insurance covers any medical expenses related to injuries that occur during the production of the film.
  • Errors and Omissions Insurance covers any legal expenses related to mistakes or omissions made during the film’s production.
  • Equipment Insurance covers any losses related to theft or destruction of equipment while producing the film. 

How Much Does Film Production Insurance Cost?

The cost of film production insurance will vary depending on the type of insurance purchased, the size of the production, and the company providing the insurance. In most cases, the cost of film production insurance will range from a few hundred dollars to several thousand dollars. However, it can reach higher amounts. 

Film Production Insurance Requirements

In order to purchase film production insurance, you will need to provide the insurance company with a variety of information. This includes details about the production, such as the budget, the cast and crew, the location, and the equipment. You will also need to provide information about any potential liabilities, such as safety regulations and copyright laws.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 7812 Motion Picture and Video Tape Production
  • NAICS CODE: 512110 Motion Picture and Video Production
  • Suggested Workers Compensation Code(s): 7610 Television or Radio Broadcasting Station – All Employees & Clerical, Drivers, 4360 Motion Picture – Development of Negatives, Printing, and All Subsequent Operations

Film Production Insurance – The Bottom Line

Film production insurance is an essential part of any film production. It can help protect the production from financial losses due to unexpected accidents, injuries, or other problems. Make sure to purchase the right coverage for your film production, so you can have peace of mind knowing that your production is protected.

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