Annual DICE Producer's Insurance

DICE stands for Documentary, Industrial, Commercial, and Educational. These categories broadly describe non-theatrical productions, meaning projects that are not traditional feature films or episodic television. DICE productions can include documentary work, corporate videos, training and instructional content, branded content, commercials, internal communications, and digital media created for businesses, organizations, and clients.

An annual DICE policy is designed for producers who create these types of projects regularly and need consistent insurance in place across multiple shoots throughout the year.

Annual DICE insurance is best suited for producers and teams that create multiple eligible projects over a 12-month period. This often includes:

• Commercial and branded content producers
• Documentary filmmakers producing multiple projects or ongoing segments
• Marketing agencies and content studios producing client work year-round
• Corporate/in-house video teams producing recurring content
• Production companies doing frequent short-form work for different clients

If you’re arranging insurance repeatedly for short shoots, especially if you’re constantly issuing certificates of insurance for clients and locations, an annual policy can reduce administration and help keep coverage consistent.

Short shoot insurance is typically set up for one specific project with a defined shoot period and project details. Annual DICE insurance is designed to cover multiple eligible projects during the policy term, which is usually 12 months.

Annual DICE can be a better fit when you:

• Produce content frequently throughout the year
• Work with multiple clients and locations
• Need certificates of insurance on an ongoing basis
• Want consistent coverage rather than reapplying for each shoot

Short shoot insurance can be a better fit when you only have one project, have a very limited shoot schedule, or your project has unique requirements that need a dedicated policy.

Annual DICE insurance is generally intended for productions that fall into documentary, industrial, commercial, or educational categories. Examples may include:

• Commercials and branded content
• Corporate videos and internal communications
• Training and instructional videos
• Non-profit and community storytelling content
• Documentary projects produced on a recurring basis
• Web and social content produced for clients

Coverage eligibility can vary by insurer, especially where project budgets, locations, or production activities introduce additional risk. Front Row helps you determine whether your typical work fits an annual DICE policy and how coverage should be structured.

Yes, that’s one of the main advantages. Annual DICE insurance is designed to support producers who work with multiple clients, film at different locations, and complete multiple projects during the policy period.

In practice, this means you can often request certificates of insurance for specific shoots, clients, property owners, or municipalities as needed, rather than purchasing a new policy each time. The ability to add certificate holders and additional insureds can be essential for frequent producers working under contract.

Not typically. Annual DICE insurance is usually focused on production-related risks, such as liability and equipment. Producer’s errors and omissions (E&O) is a different type of coverage that protects against legal claims tied to the content itself, such as copyright infringement, defamation, or invasion of privacy.

E&O may be required for projects that will be distributed more broadly, especially documentaries or content released through broadcasters, streaming platforms, or sales agents. If E&O is required, Front Row can help you arrange it separately and align it with your distribution requirements.

It depends on how the policy is structured and the insurer’s requirements. In many cases, liability coverage can respond to claims arising from production operations, but independent contractors may also be expected to carry their own insurance depending on their role and contract terms.

If you regularly hire freelancers, DPs, sound teams, or other subcontractors, it’s important to clarify:

• Who is considered an insured under your policy
• Whether you need certificates from contractors
• Whether your clients require specific wording for third parties

Front Row can help you set up an approach that matches how your productions are staffed and what your clients expect.

Higher-risk activities may be covered, but they typically require advance disclosure and underwriting approval. Certain exposures, such as drone operations, stunts, water shoots, animals, pyrotechnics, or unusual locations, may require special conditions, additional premium, or specific endorsements.

If your productions sometimes include higher-risk elements, the best approach is to flag this early so coverage can be structured appropriately. That helps avoid gaps in coverage and reduces the risk of delays when a client asks for proof of insurance.

Pricing is based on factors such as:

• The type of projects you produce and how frequently you shoot
• Your annual production activity (often tied to revenue or volume)
• Equipment values (owned and rented)
• Use of subcontractors and crew size
• Locations, travel, and any higher-risk production activities
• Prior claims history

Annual DICE insurance is often cost-effective for frequent producers because it can reduce the need to purchase separate policies repeatedly and can simplify year-round administration. Front Row can help you compare whether annual coverage makes sense based on your production profile.