Online Auction Liability Insurance from Front Row: Buy Online!

Posted by Grant Patten on Jan 18, 2022 7:16:31 AM

Online Auction Liability Insurance from Front Row: Buy Online!Source: 1657576549 Shutterstock image

Why do you need auction liability insurance? If someone is injured through an accident at your auction and you are found legally responsible, this coverage will protect you. It will also pay for property damage claims that the insured might become legally obligated to pay.

Thinking nothing bad can happen at an auction event? Well, below is an unfortunate incident that occurred at a real-life auction. This auction event may or may not have had insurance; let’s hope they did, for their sake!

Property auction fire (2018) | Auction insurance covers fire damage

In 2018, a property auction ended in disaster when the auctioneer lit a small fire to “add atmosphere” to the house during a viewing. Flames from the fireplace spread through the upper level of the house. The upper level incurred significant damage and required extensive repair work. 

Commercial General Liability coverage (in Front Row’s event insurance policy) is designed to protect against all sums up to the coverage limit that the insured shall become legally obligated to pay for property damage to third parties arising out of the operations of the insured event. It includes the cost of a lawyer to defend you.

Front Row’s auction insurance USA | auctioneer insurance US

Of course, we hope nothing bad happens at your auction, but as the above example demonstrates, such incidents cannot always be predicted or prevented. Therefore, it makes sense to purchase insurance for your auction. Front Row’s online auction insurance in the US can cover:

  • Auctions
  • Harvest Festivals
  • Charity Benefits, Dances, Auctions, Or Sales
  • And more

What differentiates Front Row from other US auction insurance providers?

Principally, our policy is available for purchase online, 24/7. This is, of course, easier and more convenient than having to call or email an insurance agent for arrangement of the policy offline. Quite simply, you’ll get your US auction insurance policy faster and with less hassle if you purchase it online from Front Row. Quotes are free.

Auctioneers, other auction professionals and venues can easily be added as additional insureds to the policy, for free. This maintains the professional aspect of everything and protects everyone involved.

Will there be drinking at the auction? Front Row’s event insurance policy can include host liquor liability coverage; consider adding it to the policy.

Our online sites are renowned for their speed, efficiency and ease of use. Protect your short-term auction now by purchasing online from Front Row: Get a No-Obligation Quote in 2 Minutes

Note: this program is currently only available to residents of California, New York and Texas. If you're in Canada, you can buy benefit/charity/auction insurance here.

About: Front Row Insurance Brokers LLC is an independent insurance broker that specializes in the entertainment industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment. Offices in: NY, Nashville, LA, Vancouver, Toronto, Montreal and Halifax.

Related posts:

Citations:

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Topics: Event insurance US

Second Edition: Film Insurance 101 & How to Protect Your Film Project

Posted by Grant Patten on Dec 21, 2021 6:55:38 AM

Second edition: FILM INSURANCE 101 & HOW TO PROTECT YOUR FILM PROJECT

Second Edition of Film Insurance 101 book

We at Front Row Insurance are pleased to announce the second edition of our book on Amazon, Film Insurance 101 & How to Protect Your Film Project. Available in both eBook and Paperback formats. Learn how to protect your film project with information on all the different film insurance policies available (E&O, DICE, short shoot, etc.), including advice on how to reduce your project’s overall risk.

This second edition update includes:

  • 20 additional pages (compared to original edition), including new articles about preventing film equipment theft, fair use vs. fair dealing, minimizing the risk of errors & omissions (E&O) claims and more!
  • Coupon codes with discounts on various insurance policies amounting to $250 IN SAVINGS, including $150 in film/photo insurance policy savings. Coupons valid in Canada only, except for QC, ON, SK, NB

The eBook can be purchased on Amazon for just a few dollars! And the paperback is only a few dollars more.

Get the book on Amazon now!

Contents:
FILM PRODUCTION INSURANCE: WHY IT IS NEEDED
PRE-PRODUCTION INSURANCE
FILM PRODUCTION INSURANCE
FILM PRODUCTION INSURANCE: HOW THE PREMIUM IS DETERMINED
FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY
CALL SHEETS
OBTAINING INSURANCE FOR YOUR SHORT FILM
WHAT DOES DIGIGEAR EQUIPMENT INSURANCE COVER?
PREVENTING FILM EQUIPMENT THEFT – TIPS & TRICKS
PRODUCTION EQUIPMENT AND PROPS/SETS/WARDROBE INSURANCE
PRODUCERS ERRORS AND OMISSIONS INSURANCE
E&O: WHAT FILMMAKERS NEED TO KNOW
DISTRIBUTOR’S E&O INSURANCE
TITLE REPORTS: WHO NEEDS THEM?
SCRIPT INSURANCE CLEARANCE REPORTS
FAIR USE VS. FAIR DEALING
FAIR USE AND E&O INSURANCE FOR FILMMAKERS - PART 1
FAIR USE AND E&O INSURANCE FOR FILMMAKERS - PART 2
INVASION OF PRIVACY AND FALSE LIGHT ACCUSATIONS
MINIMIZING THE RISK OF E&O CLAIMS
WHAT IS A DICE POLICY? - LET FRONT ROW TELL YOU
THIRD PARTY PROPERTY DAMAGE LIABILITY EXPLAINED
AUTOMOBILE INSURANCE FOR FILM PRODUCTIONS
I AM RENTING A CAR (IN CANADA) FOR MY PRODUCTION
FILM PRODUCTION COMPANIES AND CAMERA CARS
RENTING CREW PERSONAL VEHICLES
UMBRELLA VS. EXCESS LIABILITY INSURANCE COVERAGE
WATERCRAFT USE
HELICOPTER FILM INSURANCE
COMMERCIAL GENERAL LIABILITY
NEGATIVE FILM AND FAULTY STOCK / EQUIPMENT INSURANCE
ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP
CAST INSURANCE
ESSENTIAL ELEMENTS (EE) CAST INSURANCE
WHY YOU NEED EXTRA EXPENSE
IMMINENT PERIL INSURANCE COVERAGE
INGRESS & EGRESS COVERAGE
FOREIGN LOCATIONS EXPLAINED
LEGAL EXPENSE INSURANCE
WORKPLACE OFFICE INSURANCE
POST-PRODUCTION STUDIOS INSURANCE
A SPECIALIZED FILM INSURANCE BROKER
HOW TO CALL A WRAP ON TOP FILM INSURANCE CLAIMS
WHAT TO DO WHEN PRODUCTION STOPS
DISCOUNT/COUPON CODES

Topics: Short Film Insurance, Film Insurance, Photography insurance, DigiGear

Security Tips for Film Equipment Rental Houses

Posted by Grant Patten on Dec 20, 2021 6:50:11 AM

Security Tips for Film Equipment Rental Houses

Security Tips for Film Equipment Rental HousesSource: Royalty-free stock photo ID: 2027107343, Shutterstock


In recent months, thieves have targeted various rental houses across the US, stealing much valuable gear. In this post, we will briefly explain how thieves broke into these rental houses and provide some ideas on what rental houses could do to help prevent such thefts.

Rental Houses: Secure Doors, Windows and Alarms!

In one state in the Western region of the US, a thief kicked in a door to gain access to the main equipment area of the rental house. In surveillance footage captured of the theft, it is clear that either the rental house had no alarm or it was disabled. The thief then grabs a bunch of gear and heads out.

In another state in the Southeastern region of the US, thieves stole more than $100K worth of equipment by breaking in through one of the windows of the rental house.

In light of these thefts, some tips to consider would be:

  • Invest in burglar-proof doors or reinforce doors w/ Grade 1 deadbolts [Amazon Link]
  • Reinforce all windows with metal bars and/or install unbreakable windows
  • Lock down high-value gear so that if the main equipment area is breached, it will still be difficult for thieves to quickly grab the gear and leave
  • Install a security alarm system with tamper-proofing so that it cannot be hacked/disabled
  • Consider hiring security guard personnel
  • Hide Tile [Amazon Link] tracker inside each gear bag so locations can be tracked

True, some of these security upgrades could be somewhat expensive but compared to the expense of a major theft, the investment would be worthwhile. However, in case a theft does occur, rental houses will want to have the right insurance in place, notably film equipment rental house insurance.

Rental houses, consider these measures when renting out gear:

  • Get a signed rental agreement
  • Get a copy of the renter’s insurance, adding rental house as additional insured
  • Call the insurance provider on the certificate to verify that the policy described is currently valid
  • Only take credit card or payment other than cash
  • Take photo ID from the renter and a deposit (be prepared to let small rentals go if the customer cannot provide adequate ID)
  • Google them to make sure the company exists and/or ask for references
  • Consider ordering credit reports, where permissible

Get Rental House Insurance | Equipment Rental House Insurance | Film Production Insurance | Filmmaking Insurance

If you own a film/video equipment rental house, you’ll want to have a rental house insurance policy in place. Get a quote from Front Row. Rates are going up in the marketplace. Front Row would be happy to provide you with a comparison quote to ensure you are receiving the best coverage and price in the marketplace. Conversion coverage can be quoted as well.

Also, consider informing your renters about the policies relevant to them, including:

  • Short-Term Film Insurance (Canada): provides coverage for up to 15 consecutive days of shooting. The coverage is available online 24/7. Covers rented gear, rented locations, rented props, sets, wardrobes, and more. Quotes are free. If you’re in the US, get a quote here.
  • DigiGear Insurance (Canada): custom equipment insurance for owners of: cameras, sound and lighting gear working in the film/TV industry. Also available online. Quotes in 2 minutes. Policy available in 5 minutes. Shop from your phone. If you’re in the US, get a quote here.

US-based filmmakers can view Front Row’s US policies here.

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment. Offices in: Vancouver, Toronto, Montreal, Halifax, NY, Nashville and LA.

Related posts:

Citations:

Disclaimer: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.

Topics: Short Film Insurance, Film Production Companies, DigiGear

Legal Expense Insurance (Canada)

Posted by Grant Patten on Dec 15, 2021 6:10:22 AM

Legal Expense Insurance (Canada)

Legal Expense Insurance

With legal expense insurance, your legal risks are well managed.

We know you’re busy. You’re running your business and working hard at it. But whenever you have an unforeseen legal issue, we know it means more time and work for you – and it takes you away from doing what you love.

Front Row Insurance and ARAG have partnered to save you time and effort by offering the option of legal expense insurance (LEI) as a part of your Front Row policy.

How would LEI help you and your business?

A legal expense insurance policy:

  • provides you with financial coverage for a variety of potential legal events,
  • empowers you to pursue or defend your legal rights, and
  • provides you with unlimited access to a general Legal Helpline

Legal expense insurance saves you time and money by helping to:

Defend or pursue your legal rights, such as:

  • Employment Disputes: If you face legal action from an employee or ex-employee
  • Legal Defence: If your business faces criminal charges, a police investigation or an occupational health and safety investigation
  • Contract Disputes and Debt Recovery: If you face a dispute with a client or supplier in regards to a breach of contract or failure to pay an amount owed
  • Statutory Licence Protection: If your business faces a suspension, alteration or cancellation of its business licence
  • Property Protection: If there is trespass or legal nuisance to your business property
  • Bodily Injury: If you or one of your employees is injured on the job as a result of someone else’s negligence
  • Tax Protection: If you face an audit or wish to appeal a decision from the CRA

With policy limits of $100,000 per claim and $500,000 in total per policy year, ARAG provides you the financial security to continue your legal action over time and against well-funded foes.

You also receive unlimited access to the ARAG Legal Helpline

You will not need to search the internet or pay out of pocket for answers and assistance to your legal questions or issues. Legal information is provided, even if the issue or question is not covered by the policy. We make it easy for you as our Helpline lawyers are available:

  • 8:00 a.m. to midnight local time
  • 24/7 in an emergency situation

To learn more, please contact us.

Note: this program is currently only available in Canada, excluding Quebec.

Related Posts:


About: ARAG Legal Solutions Inc. is the Canadian market leader and Managing General Agent specializing exclusively in Legal Expense Insurance (LEI). All our policies are underwritten by HDI Global Specialty SE.

Topics: Entertainment Insurance, Workers Compensation, Legal expense

Wedding Insurance USA | Wedding Liability Insurance United States

Posted by Alyson Locacciato on Dec 2, 2021 10:49:23 AM

The Worst Best Day of Your Life: Wedding Insurance USA | Wedding Liability Insurance United States

Wedding Insurance USA | Wedding Liability Insurance United States

DISASTERS ON YOUR WEDDING DAY ARE MORE COMMON THAN YOU THINK.

As insurance providers, we think about disasters a lot - so you don’t have to live them.

We’ve gathered some of the most unforgettable wedding day horror stories to get you thinking about wedding insurance. After all, just like love, there are some things you just cannot predict – and that’s why we offer wedding insurance.

Read on for some unforgettable wedding day disasters - and then let us make sure you’re covered for potential accidents on your big day with our wedding insurance program, starting at $125.00 USD (subject to change).

New York’s In Love | Wedding Insurance New York | Wedding Insurance NYC

A bride planned her dream wedding in 2015 at the Arrowhead Lodge in Oneida Shores Park, NY. After dinner, one guest became sick; and then another, then another. Bathrooms became full, and guests began fainting on the lawn. The bride said, “Ambulances came, and then they had to call for more ambulances." An estimated 100 people got sick and 22 were hospitalized, some overnight.

After a thorough investigation, the macaroni and cheese tested positive for “staph aureus enterotoxin infection, a type of food poisoning.” The bride owed guests nearly $12,000 in medical costs.

DYK: Without wedding liability insurance, any injuries that may occur at the wedding that prevent a person from working could create financial trouble.

In the above example, if a guest got a staph infection from food at your wedding, s/he could sue you for damages. The wedding insurance would pay for the cost of a lawyer to defend you.

(Sittin’ On) the Dock of the Bay | California Wedding Insurance | Wedding Insurance CA

At a wedding in California in 2014, the photographer had a great group photo suggestion on a nearby dock. The entire wedding party gathered on the dock and while posing, the weather-beaten wood dock collapsed under their collective weight and sent everyone into the water!

DYK:The above example involves potential bodily injury and property damage, which are both covered under Commercial General Liability. This coverage is designed to protect against all sums up to the coverage limit that the insured shall become legally obligated to pay for bodily injury, property damage or personal and advertising injury to third parties arising out of the operations of the insured wedding.

Up to $2,000,000 in General Liability Coverage is provided under Front Row’s wedding insurance policy.

Wedding insurance providers USAWhat differentiates Front Row from other US wedding insurance providers?

Principally, our policy is available for purchase 100% online, 24/7. This is, of course, easier and more convenient than having to call or email an individual insurance agent for arrangement of the policy offline. 

Quite simply, you’ll get your US wedding insurance policy faster and with less hassle if you purchase it online from Front Row. Quotes are free. 

Wedding professionals and venues can easily be added as an additional insured to the policy, free. This maintains the professional aspect of everything and protects everyone involved.

Our online sites are renowned for their speed, efficiency and ease of use. Protect your wedding now by purchasing online from Front Row:

Get a No-Obligation Quote in 2 Minutes

Note: this program is currently only available to residents of California, New York and Texas.

Are you in Canada? Buy wedding insurance here.

 
About: Front Row Insurance Brokers LLC is an independent insurance broker that specializes in the entertainment industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment. Offices in: NY, Nashville, LA, Vancouver, Toronto, Montreal and Halifax. 

Related content:

Citations:

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Topics: Wedding insurance, Party insurance, Event insurance US

COMMERCIAL GENERAL LIABILITY EXPLAINED | CGL IN FILM PRODUCTION

Posted by Mike Groner on Nov 17, 2021 6:32:58 AM

Commercial General Liability (CGL) in film production, US and Canada


Commercial General Liability (CGL) insurance is designed to protect the production company against sums that they may become legally obligated to pay as compensatory damages for bodily injury or property damage to third parties arising out of the production company's operations. It includes the cost of a lawyer to defend you.

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 indemnification for suits brought forth against the production company outside Canada or the USA.

There is limited or no coverage for claims arising out of the use of motor vehicles, aircraft, watercraft or snow machines under a Commercial General Liability policy. Your broker should be advised if you plan to use any of these types of machinery so that your coverage options can be explained to you. Coverage may require the purchase of an additional policy.

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

Short-Term Production Insurance: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.

RELATED LINKS:

Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations

Claims

Topics: Film Production, Third Party Property Damage

THIRD PARTY PROPERTY DAMAGE LIABILITY (TPPD INSURANCE) EXPLAINED

Posted by Mike Groner on Nov 11, 2021 7:56:55 AM

Third Party Property Damage (TPPD) in film production insurance


Third Party Property Damage Liability coverage provides insurance for the damage or destruction of property of others (including loss of use of the property) while the property is in the care, custody or control of the production company, and is used or is to be used in an insured production. This coverage is primarily purchased in relation to insuring against damage to a film location.

Third Party Property Damage Liability may also be extended to cover damage to buildings and contents rented as living quarters for cast & crew during a production.

This coverage does NOT apply to liability arising out of damage to Equipment, Prop/Sets/Wardrobe, Office Contents, Motor vehicles, Aircraft or Watercraft.

This type of exposure is NOT covered under a Commercial General Liability policy. Property Damage coverage written as part of the Commercial General Liability Policy excludes damage to any property in the production company’s care, custody or control.

EXTRA EXPENSE INSURANCE

Extra Expense insurance reimburses the production company for any extra expense the company incurs in order to complete principal photography due to loss of, damage to or destruction of property or facilities contracted for use in connection with the production. Property could include items such as equipment, sets or locations.

Coverage can also be extended on some policies to respond to extra expenditures incurred because of delays due to a civil authority preventing access to a location, mechanical breakdown of camera equipment, or disruption of outside power.

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

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.

RELATED LINKS:

Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations

Claims

Topics: DICE Insurance, Extra Expense Coverage, Third Party Property Damage, Insurance for film set

Front Row Insurance Brokers Launches Online Event Insurance

Posted by Mike Groner on Nov 8, 2021 6:20:49 AM

Front Row Insurance Brokers Launches Online Event Insurance

Los Angeles, CA – November 8, 2021 – Front Row Insurance Brokers LLC is pleased to announce that its online event liability insurance program is now available to residents of California, New York and Texas, with more US states forthcoming.

Available online in less than 5 minutes with no need to talk to a broker; policies start at $125 USD. Certificates proving coverage for the venue are free. A no-obligation quote is available any time of the day or night in less than 3 minutes here: https://events.frontrowinsurance.com/us

Up to $2,000,000 in liability insurance protection is available. Costs arising from injury to guests and damage to the venue are insured. The protection in the policy will assign a lawyer and cover legal costs. Host liquor liability coverage is also available to protect against losses or damages in case of claims arising from alcohol-related incidents that might occur at an event.

“We wanted to make the insurance process easier, faster and less expensive for people who rent event space,” says Mike Groner, Vice President - US at Front Row Insurance Brokers LLC. “There is no need to speak to a broker, an underwriter is not involved, so the cost to process the insurance is low and we have passed this savings onto the event space renters.”

Available to buy online at https://events.frontrowinsurance.com/us, Front Row’s US event insurance policy also protects: anniversary parties, bar & bat mitzvahs, book signings, fashion shows, lectures, holiday parties and more.

Read more about the policy here.

Download PDF here

–30–

About: Front Row Insurance Brokers LLC is an independent insurance broker that works on behalf of its clients to provide insurance at a low cost. Should a claim occur, Front Row works diligently to ensure that clients receive the money they are owed per the insurance policy. Front Row has US offices in Los Angeles, New York and Nashville. Visit their website at https://www.frontrowinsurance.com/usa.

For more information, contact:               
Mike Groner, Vice President – US
Front Row Insurance Brokers LLC
PH Los Angeles: 424-529-6704
PH Vancouver: 604-630-1329
mike@frontrowinsurance.com

Topics: Event insurance US

Film Production Insurance: Why it is Needed.

Posted by David Hamilton on Nov 4, 2021 12:48:20 PM

Film Production Insurance: Why it is needed.


Production insurance is a vital part of any production. All productions should be insured to protect the producers from financial disaster resulting from property damage or liability arising from the production or post-production process. Even if the producer is willing to assume these risks, they will still need insurance for the following reasons:

CONTRACTUAL REQUIREMENTS

The contractual reason is simple. If you are under contract with a broadcaster, financier or distributor, most likely the contract will require you to have insurance coverage before you can access your first draw-down.

ACCESS TO LOCATIONS

In order to get filming permits from municipalities, provinces or the federal government, you will be required to provide evidence of Commercial General Liability Insurance. You will also normally be required to provide evidence of Commercial General Liability insurance to all privately owned locations that you require access to for filming.

RENTING PROPERTY

In order to rent production Equipment or Props/Sets/Wardrobe you will normally be required to provide evidence of your property insurance. This is a standard requirement in most rental agreements.

TYPES OF PRODUCTION POLICIES

The type and scope of insurance coverage you need depends on the type of project you plan to make. If you are making a short music video, the type of policy you want will differ from a filmmaker who aims to make a feature film. There are basically three policy types: Annual, Short-Term project specific and Long-Term project specific policies

Short-term, project specific policies are purchased for lower budget, shorter term projects such as a commercial or music video.

Long-term, project specific policies are purchased for larger budget productions, with longer production and post-production periods such as Features or Television Series.

A DICE Insurance Policy is an annual policy used to insure more than one project during the course of a year. DICE stands for Documentaries, Industrials, Commercials and Educational Films. In addition to these types of productions, a DICE policy would also insure projects such as music videos, short films, public service announcements, etc.

Try to give your broker three to five days to arrange the coverage for you: this will ensure your broker has enough time to obtain the best price and coverage available in the marketplace.

At a minimum, the three policies you need to consider for any film production are:

GENERAL LIABILITY INSURANCE

Commercial General Liability (CGL) insurance is designed to protect the production company against sums that they may become legally obligated to pay as compensatory damages for bodily injury or property damage to third parties arising out of the production company's operations. It includes the cost of a lawyer to defend you.

EQUIPMENT INSURANCE

Equipment insurance covers production or post-production equipment used in relation to the creation of your production. This policy will cover loss, damage, theft, etc. to your rented or owned equipment.

ERRORS AND OMISSIONS INSURANCE

Producer's E&O insurance protects against lawsuits alleging unauthorized usage of titles, copyrighted materials, ideas, formats, characters, plots, plagiarism, unfair competition, defamation and invasion of privacy. E&O insurance requires the counsel of an entertainment lawyer who will review your script, clearances and releases.

 

RELATED LINKS:

Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations

Claims

Topics: Film equipment insurance, Film Insurance, Film insurance broker, Film Producer's E&O Insurance, Commercial Production Insurance, Documentary Insurance, DICE Insurance, Industrial Films, Educational Film Insurance

Birthday Party Insurance USA | Party Liability Insurance United States

Posted by Alyson Locacciato on Oct 20, 2021 7:31:40 AM

Birthday Party Insurance USA | Party Liability Insurance United States

BIRTHDAY PARTY INSURANCE USA | PARTY LIABILITY INSURANCE UNITED STATES

Source: Royalty-free stock photo, shutterstock_1436597573

Think nothing bad can happen at your birthday party? Well, think again… just look at the below real-life examples of unfortunate incidents that have occurred at birthday parties in the US. These parties may or may not have had insurance; let’s hope they did, for their sake!

KEITH MOON’S 21ST BIRTHDAY (1967) | US BIRTHDAY PARTY INSURANCE

Keith Moon, drummer of the rock band The Who had a wild 21st birthday. In 1967, in Flint, MI, the band had a party at the local Holiday Inn. The rock star took to his 21st birthday by causing over $24,000 in damage to the hotel, and drove his Lincoln Continental into the pool.

via GIPHY

What if one of your birthday party guests unexpectedly has a Keith Moon-like reaction to the alcohol served at the party and goes on to cause property damage to the venue? That is what liquor liability insurance coverage is for, which can be added to the event insurance policy.

CHLOE MORETZ 13TH BIRTHDAY PARTY (2011) | BIRTHDAY PARTY INSURANCE CALIFORNIA

Chloe Moretz, the young star of Kick Ass (2010) and Hugo (2011) was given a once-in-a-lifetime opportunity for her 13th birthday. Moretz invited 30 friends to Paramount Studios to view the original reel of Breakfast at Tiffany’s (1961). Unfortunately, this moment was not as exciting to her guests who threw sandwiches all over the floor and smeared mayonnaise over the walls, causing some property damage.

FLORENCE WELCH 26TH BIRTHDAY (2012) | BIRTHDAY PARTY INSURANCE NEW YORK

Singer Florence Welch from Florence and the Machine had a birthday party in New York that involved almost burning down a space her friend had rented to her! After leaving the party, she accidentally left a tealight candle burning that caused $2,400 in damages.

Front Row’s event insurance policy includes up to $2M in general liability, which is designed to protect against all sums up to the coverage limit that the insured shall become legally obligated to pay for bodily injury or property damage arising out of the operations of the insured event.

Front Row’s birthday party event insurance USA:

Of course, we hope nothing bad happens at your birthday party, but as the above examples demonstrate, such incidents cannot always be entirely predicted or prevented. Therefore, it makes sense to purchase event insurance for your birthday. Front Row’s online event insurance in the US can cover:

  • Birthday Parties
  • Anniversary Parties
  • Business Parties
  • Holiday Parties
  • And more

What differentiates Front Row from other US event insurance providers?

Principally, our policy is available for purchase 100% online, 24/7. This is, of course, easier and more convenient than having to call or email an individual insurance agent for arrangement of the policy offline. You’ll get your US event insurance policy faster and with less hassle if you purchase it online from Front Row. Quotes are free.

Event professionals and venues can easily be added as an additional insured to the policy, for free. This maintains the professional aspect of everything and protects everyone involved.

Our online sites are renowned for their speed, efficiency and ease of use. Protect your short-term event now by purchasing online from Front Row:

Get a No-Obligation Quote in 2 Minutes

Note: this program is currently only available to residents of California, New York and Texas.

Are you in Canada? Buy birthday party insurance here.


About: Front Row Insurance Brokers LLC is an independent insurance broker that specializes in the entertainment industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment. Offices in: NY, Nashville, LA, Vancouver, Toronto, Montreal and Halifax.

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DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Topics: Birthday party insurance, Party insurance, Event insurance US