Front Row Insurance Brokers opens New York Office

Posted by Meghan Stickney on Mar 3, 2017 3:23:31 PM

Stacie O’Beirne has joined Front Row LLC in the position of Senior Vice President based in New York.

Stacie specializes in Film and Television Production Insurance including Errors & Omissions Coverages. She started her career at Albert G. Ruben in Los Angeles in 1989 handling several major production companies. In 1999 she moved to New York and continued at Albert G. Ruben.

She moved to Marsh in New York in 2000 and developed 'wrap up' programs for several Advertising Agencies (TV Commercials) and Record Companies (Music Videos). She also worked on several large media accounts. In 2005 she began working at DeWitt Stern on many types of Film and TV Accounts including Major Studios, TV Networks, Independent Film, Advertising Agencies and Record Companies.

Her goal is to assist clients with all their production insurance needs and helping solve insurance issues. She also has deep knowledge and experience in Reality Television exposures.

Stacie can be reached at:

Stacie@frontrowinsurance.com

Stacie O’Beirne

Senior Vice President

Phone # 646-849-4114

Fax # 646-849-4072

Cell # 917-861-7931

About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Los Angeles, New York, Nashville, Colorado, Vancouver, Toronto, Montreal and Paris, France.

E&O Insurance for film: WHO IS INSURED

Posted by Kent Hamilton on Feb 6, 2017 11:51:54 AM

You arrive home after your screening of your documentary at a well known film festival. The film was well received. You feel great! Your hard work and investment for the last five years has paid off. Your distributor is happy. But even more than that you told your  important story and exposed the truth about a difficult subject.

Film E&OThere is a knock at your door and a courier presents you with a registered letter. You sign and open the package and see that you, your company, your wife, your financial partner and your cameraman have been sued for libel and slander by the large and  powerful company that employs many lawyers. Fear  strikes! Your wife? Your investor? Your cameraman? Why would they name them on the suit?

Your mind eases when you remember that your attorney was careful to  vet the production for libel and slander issues. You remember not liking the process because some great ideas and footage had to be scrapped during editing. You are glad that you engaged a specialized clearance  attorney familiar with “fair use” issues.

And…you purchased an E&O policy for your company from a specialized Doc insurance broker. Wow! You catch your breath. Similar scenarios to this have been played out many times for many documentarians.

But am I personally protected under the policy? Is my wife, investor and cameraman protected? Or will those legal costs have to be borne separate from that of the company’s policy?

What should I do?

The first thing you should do is notify your insurance broker and forward the legal letter you received.

Under most normal situations: you, your company, your wife, the investor and the cameraman would all be protected under the policy.  You will also be provided with an expert claims adjuster and a lawyer paid by the e&o insurance company to defend your production through a settlement and even a court case if necessary.

To obtain a preliminary E&O quote, please Click Here.  You will be requested to fill out an application and a quote will be given to you in most cases within one business day.

Please note that this is an illustration only: for a detailed outline of the E&O coverage contact us and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.

 

Topics: E&O Insurance, E&O, Documentary Insurance, Film E&O

Front Row Winter 2017 Newsletter

Posted by David Hamilton on Feb 2, 2017 5:00:00 PM

It was a busy 2016 for Front Row, and we're pleased to announce some exciting changes to help expand your coverage options, lower your insurance costs, and enhance our service. Front Row has expanded to Europe with the acquisition of Continental Média Assurances S.A.S in Paris, offering coverage in France and Belgium. And we've added a new office in Colorado, in addition to our locations in Los Angeles, Nashville, Vancouver, Toron
to, and Montreal.
 
In addition, our innovative and exclusive DigiGear insurance program is online and available to save you time and money- details are below.
 
Front Row is the #1 film insurance broker in Canada as measured by production budget volume and now has 47 staff members across our offices to serve you and help protect your business.
 
 
Read more...3dbb54c9-bd5e-4d08-a6d9-977419d52fbb.jpg

Front Row Launches a New Low Cost Annual DICE Insurance Program IN THE US

Posted by David Hamilton on Dec 29, 2016 11:29:11 AM

Los Angeles, CA USA – December 13, 2016 – The new DICE policy launched by Front Row is less expensive than policies currently available in the film insurance market.   DICE stands for: Documentaries, Industrial, Commercial, and Educational Films.  The new policy also covers Music Videos, Sizzle Reels, shorts and other smaller productions. 

For producers that anticipate multiple projects in the next 12 months, the Front Row DICE policy will save time and money. Due to an innovative streamlined process, an indication of costs can be provided in minutes and a film policy is available in 6 hours.

The policy is underwritten by Chubb - the world’s largest publicly traded property and casualty insurance company with headquarters in New Jersey:  https://www2.chubb.com/ca-en/about-chubb/.

An indication of costs can be provided over the phone or by clicking here: http://www.frontrowinsurance.com/annual-production-insurance

The Front Row DICE policy also covers  owned fixed and mobile filming equipment  (for an additional charge). Corporate offices are insured at no additional cost.

This minimum package is $3,500 and will allow producers to shoot up to $200,000 of total project budgets in one year. Additional budget expenditures can be insured for $65 per $10,000 of production costs.  

The package provides continual coverage for a year which allows Filmmakers the flexibility to take on last minute projects without having to scramble to negotiate insurance coverage. It covers your shoot anywhere in the US or Canada.

Location and equipment rental certificates are unlimited and free. Front Row provides filmmakers with electronic certificates: filmmakers can issue 24/7 without having to contact Front Row each time.

“Filmmakers that purchase a policy can sleep easy knowing their gear is covered on and off the set all year and while in transit to a job. The policy  also offers general liability to protect the filmmaker against property damage and bodily injury that they cause while filming on location or in a studio.” said David Hamilton, President of Front Row. “The expected savings should be 20% in addition to the fast turnaround. Commercial use of owned or rented camera, lighting and sound equipment is not covered under a typical homeowners policy: the Front Row DICE insurance policy is an inexpensive and fast solution to this problem.”

The policy term is for 12 months.

All equipment is covered for: theft, damage, fire and loss of use. Rental equipment coverage is included. Learn more here: http://www.frontrowinsurance.com/annual-production-insurance

 “We wanted to make the insurance process easier, faster and cheaper for DICE filmmakers,” said Hamilton, “Given that the process has been streamlined, there is less overhead making the cost to process a DICE insurance policy  much less  and we have passed the savings on to the filmmaker.”

 About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Los Angeles, Nashville, Colorado, Vancouver, Toronto, Montreal and Paris France.

Contact:

 

DOUG HODGES - VICE PRESIDENT

doug@frontrowinsurance.com

Ph: 424-329-2480

 

Topics: DICE Insurance

Drivers in British Columbia Need ICBC Breach Insurance

Posted by David Hamilton on Oct 12, 2016 5:19:23 PM

Did you know that in the Province of British Columbia, your ICBC third party liability insurance may be voided?

If you are an at-fault driver, charged and convicted of a “Specified Driving Offence” your third party liability may be voided by your Auto Insurance Provider.

If you are at-fault for an accident and your liability insurance is voided, can you afford to pay the medical bills of the injured person?

Protect Your Assets’ Driver’s Protection Policy underwritten by the Echelon Insurance Company of Canada is available to protect you and your assets if you are involved in an at fault accident. Limits of $1,000,000 and $2,000,000 are available.

The P.Y.A. Driver’s Asset Protection Policy provides a legal defence cost benefit of $50,000 to enable you to immediately hire a lawyer to fight the charge.

 How to purchase this policy:

ICBC Breach InsuranceTo be eligible for the “Protect Your Assets” policy you must be 25 years of age or older, have a valid Driver’s License, not have had any suspended or cancelled drivers licenses in the past 5 years, and are 5 years’ free of any convictions for any of the specified driving offences covered under this policy. The Protect Your Assets policy can be purchased online in a few minutes and there is no need to talk to a broker. Click here to get a quote in one minute and receive a policy in 5 minutes:

 https://agents.pyacanada.com/Account/Login?aaa=2018 .  

The cost is approximately 53 cents a day for a $1,000,000  limit or 58 cents a day for a $2,000,000  limit. 

What Specified Driving Offences are covered?

PYA clearly demonstrates 11 major gaps in ICBC’s coverage that are  automatically covered by all other auto Insurers throughout North America:

Breach Offense

ICBC Covers?

Private Insurers Outside BC cover?

1. Towing an unlicensed and/or unregistered trailer        

No

Yes

2. Impaired, alcohol or drugs*                                        

No

Yes

3. Death by impaired, alcohol or drugs   *

No

Yes

4. Bodily harm by impaired, alcohol or drugs*               

No

Yes

5. Impaired, no minimum BAC**                                              

No

Yes

6. Dangerous Driving

No

Yes

7. Bodily harm by criminal negligence                           

No

Yes

8. Death by criminal negligence                                      

No

Yes

9. Failure to stop at scene                                                           

No

Yes

10. Convicted of impaired, over .08                                             

No

Yes

11. Failure to provide breath or blood sample                  

No

Yes

            *    includes legal drugs

          **    Blood Alcohol Content

 

To offset the gaps, PYA covers all 11 Breach Offenses up to the chosen limit of $1,000,000  or $2,000,000.  In addition, you know that PYA also covers $50,000  in Defense Coverage for no additional cost.

This will also be of interest to directors, producers and crew who reside off-shore but who work in BC.

 

Topics: BC Auto insurance, BREACH INSURANCE, P.Y.A. Driver’s Asset Protection Policy, ICBC, ICBC breach

Front Row Insurance Brokers opens an office in Paris with the acquisition of Continental Média Assurances S.A.S.

Posted by David Hamilton on Oct 6, 2016 6:51:08 AM

Canada’s largest Entertainment Insurance Broker has acquired Continental Média Assurances S.A.S. – a specialized film insurance brokerage located near the Arc de Triomphe. Continental provides innovative insurance solutions for producers of film, television and commercials in France and Belgium.

"We are delighted to welcome Continental into the Front Row Group. Our volume with the insurance companies gives us a competitive edge when negotiating coverage, premiums and claims settlements for our clients and we expect to leverage our volume to the benefit of the film producers in France and Belgium," said David Hamilton, President of Front Row based in Vancouver.

Front Row and Continental negotiate with insurance companies on behalf of film producers to obtain the best coverage at the lowest premium. When the star gets injured in a stunt, the studio floods, the set burns down, gear is damaged, Front Row makes sure the insurance company pays the producer all the money that they are owed according to the policy.

"We saw this as an incredible opportunity to build on the work we were doing for our clients engaged in film production. I have always enjoyed working with Front Row on co productions so when presented with the opportunity to join Front Row I knew it was the right time to build the international film insurance brokerage that I know the market wants.” said Jean-Claude Beineix, President of Continental.

Front Row will introduce their existing on line products into France for: Short Shoot and DigiGear 

The combined company is licensed and registered in all Canadian provinces, the USA and France and works extensively with the leading insurance companies for entertainment insurance such as: Travelers, Chubb, Allianz, Reel Media and Everest.

The legal name of the Paris office is : Continental Média Assurances S.A.S. The address is: 33, rue de Miromesnil - 75008 PARIS (FRANCE)

Front Row is an independent, Canadian-owned brokerage, specializing in film & television insurance. The brokerage works with top producers of live action and digital media and has offices in Vancouver, Toronto, Montreal, Los Angeles, Nashville and now Paris. Their technical expertise, market leverage and commitment to fair and timely claims settlements always sets them apart from their competitors. http://www.frontrowinsurance.com/ 

Contact:

David W. Hamilton - President

http://www.frontrowinsurance.com/ 

602-1788 W Broadway

Vancouver, B.C., V6J 1Y1

P 604 684 3456

Passionate about the arts…better at insurance    

 

Front Row Entertainment Insurance Brokers opens an office in Paris with the acquisition of Continental Média Assurances S.A.S.

Posted by David Hamilton on Sep 22, 2016 9:26:27 AM

Canada’s largest Entertainment Insurance Broker has acquired Continental Média Assurances S.A.S. – a specialized film insurance brokerage located near the Arc de Triomphe. Continental provides innovative insurance solutions for producers of film, television and commercials in France and Belgium.

"We are delighted to welcome Continental into the Front Row Group. Our volume with the insurance companies gives us a competitive edge when negotiating coverage, premiums and claims settlements for our clients and we expect to leverage our volume to the benefit of the film producers in France and Belgium," said David Hamilton, President of Front Row based in Vancouver.

Front Row and Continental negotiate with insurance companies on behalf of film producers to obtain the best coverage at the lowest premium. When the star gets injured in a stunt, the studio floods, the set burns down, gear is damaged, Front Row makes sure the insurance company pays the producer all the money that they are owed according to the policy.

"We saw this as an incredible opportunity to build on the work we were doing for our clients engaged in film production. I have always enjoyed working with Front Row on co productions so when presented with the opportunity to join Front Row I knew it was the right time to build the international film insurance brokerage that I know the market wants.” said Jean-Claude Beineix, President of Continental.

Front Row will introduce their existing on line products into France for: 
https://shortshoot.frontrowinsurance.com, https://digigearinsure.frontrowinsurance.com

The combined company is licensed and registered in all Canadian provinces, the USA and France and works extensively with the leading insurance companies for entertainment insurance such as: Travelers, Chubb, Allianz, Reel Media, Hiscox  and Everest.

The legal name of the Paris office is : Continental Média Assurances S.A.S.
The address is: 33, rue de Miromesnil - 75008 PARIS (FRANCE)

Front Row is an independent, Canadian-owned brokerage, specializing in film & television
insurance. The brokerage works with top producers of live action and digital media and has offices in Vancouver, Toronto, Montreal, Los Angeles, Nashville and now Paris. Their technical expertise, market leverage and commitment to fair and timely claims settlements always sets them apart from their competitors. http://www.frontrowinsurance.com/ 

Contact:
David W. Hamilton
President
www.FrontRowInsurance.com 
602-1788 W Broadway
Vancouver, B.C., V6J 1Y1
P 604 684 3456
Passionate about the arts…better at insurance

Topics: Front Row Insurance Brokers, Front Row Insuranec France, Jean-Claude Beineix, Continental Média, Paris Insurance Broker

PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!

Posted by David Hamilton on Aug 23, 2016 2:00:22 PM

You arrive back at your apartment to find your door pried open and your photography gear missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a  web search and sees  that you have credits for various wedding shoots. Because you were hired and paid your gear is now considered “commercial” equipment and as such, not covered by your homeowner’s insurance policy which is intended to cover “personal” photography gear that is not used for commercial purposes.

You tell the adjuster that you only worked  twice in the last 12 months for two weddings and made less than $300. The adjuster shrugs, “It doesn’t matter, even if you shoot a birthday party for 60 minutes for $50, you are a professional and your gear is  considered commercial and is no longer covered under a homeowners policy”.

This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professionals assume they are covered by their homeowners insurance policy when in fact they are not.

If you use your gear to make money, check your insurance policy and make sure your coverage is appropriate. At Front Row we have created a 5 minute on line insurance solution.

Available at:   https://photographer.frontrowinsurance.com/

The policy term is for 12 months and coverage is provided worldwide on a limited basis.

All equipment is covered for replacement cost for:  theft, damage, fire and loss of use. Rental coverage is also available.

The online link ensures industry-low prices:

  • $10,000 equipment coverage: $75 plus a broker fee of $100
  • $2,000,000 location liability coverage: $200.  Liability covers property damage and bodily injury to third parties. Pays legal fees too.
  • $1,000 deductible for gear

"We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process an on line photography equipment  insurance policy is much less  and we have passed the savings onto the gear owner. Although the  policy is online, we are still available to answer questions by e mail or over the phone if required.”

Topics: Camera Equipment Insurance, photography equipment, Photography Equipment Insurance, Online Photography Equipment Insurance, Photographer Insurance Policy

What does the online DigiGear EQuipment insurance actually cover?

Posted by David Hamilton on Aug 2, 2016 4:03:51 PM

 This unique offering allows owners of camera equipment, sound, lighting and other film equipment the opportunity to get quick quotes in 20 seconds and purchase insurance for their gear in less than five minutes, 365 days a year, 24/7.

All equipment is covered for: theft, damage, fire and loss of use. This 50 second animation explains the coverage.

Wait for the $50 discount code at the end.

The policy term is for 12 months.

Rental equipment insurance coverage is also available 

The online link ensures industry-low prices:

$10,000 equipment coverage: costs $80, plus a fee

$2,000,000 annual location liability coverage: costs $500

$1,000 deductible for gear

Available to Canadian equipment owners at: https://digigearinsure.frontrowinsurance.com

About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, Nashville and Los Angeles.

Topics: Film equipment insurance, Film Equipment, Camera Insurance

COMMERCIAL GENERAL LIABILITY EXPLAINED

Posted by Mike Groner on Jul 21, 2016 9:39:57 AM

Annual_Dice_Banner.jpgCommercial General Liability: Protects the production company against claims for bodily injury or property damage liability arising out of filming the picture. This coverage will be required prior to filming on any city or provincial roadways, or any locations sites requiring filming permits.

Coverage can be amended to include an international indemnification clause which can provide coverage if shooting overseas.

Coverage may also include auto liability for non-owned vehicles (both on and off camera). Non-owned auto liability* only applies as primary insurance in jurisdictions where the auto insurance industry is privatized (such as Ontario, Alberta, and the United States), otherwise it applies as excess insurance and another liability policy must be in force (although this is often maintained by the vehicle owner/lessor). 

There is limited or no coverage for autos, aircraft, watercraft or snow machines  under the Commercial General Liability coverage.  Details on use of these should be advised so coverage can amended or separate policies purchased.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance: Up to 14-days with no minimum premium. Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production: Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:     A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Topics: Third Party Property Damage, Commercial general liablity