Film Production Insurance claims can be settled quickly with a minimum of stress if the right steps are followed.
Front Row Insurance Brokers Inc. provides claims reporting, monitoring, and advocacy services for clients, including preparing and reviewing loss runs and developing claims procedures. We are a liaison between you and your insurance company or a third party adjuster. The primary goal is to provide you with knowledgeable, empathetic, fast service. In the event of a claim, please contact your account executive.
Our services include designing and implementing claims reporting and handling procedures, monitoring losses to initiate necessary action on a client’s behalf, ensuring timely and equitable settlement of claims, and providing status reports on all monitored claims.
Your account executive will need to know:
- Date of Loss,
- Description of Loss,
- Location and time of loss
- Approximate amount of loss
- Names and phone numbers of persons to be contacted.
All incidences should be reported promptly. If you are not sure there is coverage, we can advise you. • Most coverage’s have deductibles which are applied to each claim. Each loss is determined to be a claim and subject to a separate deductible.
No loss is easy to endure, but there are steps you can take to speed the process of putting your operations back in order.
Whom Should I call first if I have a loss? Depending on the nature of the incident, or accident, call the authorities needed to assist you in an emergency: the police, the fire department or hazardous materials team.
Is it possible to take immediate action to make repairs if further damage to the property is likely? As long as the claim is covered, the reasonable cost of temporary repairs made to prevent further damage is money well-spent and, therefore, reimbursable, subject to all policy terms and conditions.
Documentation in the form of bills, receipts and photographs should be retained in order to verify damages and repair costs.
What about Emergency Repairs? You may hire a contractor of your choice for emergency repairs. For a covered loss, we will discuss costs directly with your contractor and come to an agreement about costs when necessary. Again, all repairs will be made subject to all policy terms and conditions.
Once Emergency Repairs are made, what should I do next? Determine if any of your property is salvageable, and if you can continue your operations at this location. Who is responsible for the settlement of my claim? My agent or broker, the contractor, the insurance adjuster? What is the relationship among all of them? • Our insurance adjuster is the person with whom you should deal with settling any claim. • The adjuster will evaluate the loss and, along with your agent or broker, explain coverage to you. • The adjuster will work with your contractor to agree on what repairs need to be done and proper costs of these repairs. • The agent or broker may assist both you and the insurance company in the processing and adjustment of the claim.
After any type of loss: • Take immediate steps to protect your property from further damage • Photograph the damage, if possible • Call your insurance agent or broker • Obtain copies of any reports that were filed, such as police reports, fire department reports.
Retain any documentation to substantiate you claim. • Communicate frequently with the insurance company’s claim adjuster. Front Row Insurance Brokers Inc. provides claims reporting, monitoring and advocacy service to clients. A claims coordinator is assigned and acts as a liaison between our clients and their insurance company or third party. Our goals are: • Clients feel that their best interests are being served and that their claims are being actively managed. • Front Row Insurance Brokers Inc. performance is technically sound and conducted in such a manner as to fulfill a professional role. •
For every first party claim the best settlement is obtained in the shortest possible time. • System and individual file records are maintained at a consistently high standard to ensure that they accurately reflect the current status of individual claims.
Film insurance coverage with respect to the use of watercraft is limited for Feature films, TV series, Documentaries, Webisodes, commercials, ect. The film production company should always advise your entertainment insurance broker well in advance of the anticipated use of any watercraft. You should never sign a contract with respect to the use of any watercraft without first having our office review the document. The
If the watercraft is being used as a prop/set and is not in motion, then damage to the watercraft itself would be provided under the Props/Sets/Wardrobe coverage. If the watercraft is in motion then there is a sublimit for physical damage to the watercraft. Please call our office for more specific information.
Liability coverage is provided under the Commercial General Liability policy but is limited to non-owned watercraft less than 26 feet in length (length varies by insurance company). If the watercraft is in excess of this length limitation, or if you are required to indemnify the watercraft owner, then specific coverage arrangements must be made prior to the use of the vessel.
If you plan to use any watercraft please provide the following information in order that we may provide a quote/coverage for owned or rented watercraft used in the production, including Charter's Liability; Protection & Indemnity coverage; Hull Physical Damage:
- Watercraft scenes description(s)
- Number of vessels
- Length and name of each vessel
- Type of watercraft
- Number of days each used
- Dates of use
- Where used (which body of water)
- Copy of any contractual agreement
- Are any watercraft operated by the Name Insured? If so, please give a detailed description of the boat and where operated.
- Are any watercraft stunts involved? If so, please describe.
You can achieve peace of mind when filming with watercraft with a little preparation.
The film production company should always advise their Film Insurance broker well in advance of the anticipated use of any railway cars or equipment. You should never sign a contract with respect to use of trains without first having your entertainment insurance broker review the document.
If the train is being used as a prop/set and is not in motion, then damage to the train itself would be provided under Props/Sets/Wardrobe coverage. If the train is in motion a sublimit would be in effect for physical damage to the train.
Liability coverage is provided under Commercial general Liability policy. If you are required to indemnify the train owner, then specific coverage arrangements must be made prior to the use of the train.
In order to provide a quote/coverage for Railway Cars and Equipment, please forward answers to the following:
- A copy of the railroads contractual agreement
- Description of scenes involving railroad equipment
- Dates equipment used
- Locations of equipment:
- Where is equipment stored?
- Where is equipment moved to? Exact street address.
- Where is equipment returned after use is over?
- Type of equipment used? Please list.
- Activities the production company has with the equipment.
- How many people will be "on board"?
- Distances and speed of equipment
- Any stunts? Please list. Please complete a stunt questionnaire.
- Will main line tracks be used during filming days?
- Please advise how the cast, crew, equipment and public will be protected during filming.
The same advice will apply no matter if you are shooting a feature film, TV series, documentary or a short film.
Please contact us if you have any questions.
Insurance coverage with respect to the use of aircraft in a film production is limited, so the production company should always contact a specialized film insurance broker well in advance when filming with an aircraft. You should never sign a contract with respect to the use of aircraft without first having your entertainment broker review the document.
If the aircraft is being used as a prop/set and is not in motion, then insurance for damage to the aircraft itself would be provided under the Prop/Set/Wardrobe coverage subject to policy limits, and liability insurance coverage would be provided under the Commercial General Liability policy. However, if the plane is in motion either under its own power or being propelled by any other means (i.e. being towed) then coverage may be compromised.
We recommend the following guidelines when using an aircraft:
- a) Require the company from whom you are renting/leasing the aircraft from to add the Production Company as an additional insured to their insurance policy.
- b) Request a waiver of subrogation[i] with respect to hull damage.
- c) Request that their policy contains a Cross Liability Clause[ii].
- d) Request that their policy includes coverage for passengers.
- e) Request a Certificate of Insurance showing the limits of coverage and confirming that items a, b, c, and d have been included in their insurance coverage.
- f) Obtain a Hold Harmless Agreement[iii] from the owner of the aircraft. This should be included as part of your rental agreement. Legal counsel should assist with this agreement.
If any aircraft are hired, your film insurance broker will have to arrange Non-Owned Aircraft Liability coverage protecting your legal liability for bodily injury and property damage to hired parties arising out of the use of the aircraft. In order to arrange this coverage, they will need the following information:
1. Exact dates of use
3. Owners Name
4. Description of the aircraft, including registration number
5. Name of the pilot and number of hours experienced in aircraft
6. Details concerning filming activities, i.e. storyboard
7. Number of persons in aircraft at any one time and relationship to the production company
8. The seating capacity of the aircraft
9. Value of hull if Hull Insurance is required on the aircraft.
Alternatively, the production company can be added as an Additional Insured to the Aircraft Owners Hull and Liability Policy. Contact us for details - we are happy to answer your questions.
[i] Waiver of Subrogation- Definition: A condition of an insurance policy which states that the coverage will not be prejudiced if the insured has waived any rights of recovery from responsibility party in writing prior to a loss.
[ii] Cross Liability Clause- Definition: A clause within the insurance policy which states that ‘except with respect to the Limits of Insurance and any rights or duties specifically assigned to the first named Insured, the insurance applies as if each Named Insured were the only named insured and separately to each insured against whom claim is made or ‘action' is brought.
[iii] Hold Harmless Agreement- Definition: A contract or agreement in which one party assumes legal responsibility for the acts of another.